A recent building boom has left Guam with many new hotel rooms, but most of these places are very much aimed at the over-stuffed wallet. At the cheapest end of things, you're still looking at US$50.00 a night for a half-way decent bed. Hagatña's public market is a fun place to get a cheap local meal and kiosks sell fixed-plate lunches for around US$5.00 .

The Bank of Guam and the Bank of Hawaii are the island's biggest dosh emporiums and combined they have about 20 branches around Guam. Foreign currencies are exchanged only at the Tumon and Hagatña branches of the Bank of Guam. Major credit cards are widely accepted and there are Automatic Teller Machines (ATMs) in the larger towns.

There's not much in the way of bargaining in Guam, mainly because most of your shopping will be done in western-style malls. A tip of around 10-15% is expected in Guam's restaurants.

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