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Traveller's cheques are rarely used these days- we had great difficulty cashing them in 2001 in Orlando, and that's the last time we used them.
Normally we get €€€s from the post office, and other currency from cash machines as we go e.g. kuna for Croatia. If we're going to Croatia for longer, we'll buy kuna in the UK.
If we go to Egypt next winter, we'll probably get a small amount of Egyptian £££s before hand, but the vendors often want hard currency, so we use British ££s, €€s and any spare $$s we may have.
ATM are simple and straightforward. I've only ever travelled in Western Europe, so possibly not if going further afield.
Chase Credit Card through British Airways has no fees for foreign purchases. And, when you sign up, depending on the deal BA is having at the time, you can get up to 100,000 free miles. My wife and I both signed up and got 100k miles each. The card has an annual fee of about $60.
Also, if you have Amex Platinum there are no fees for foreign purchases.