Last-minute Hotel Deals: Score The Best Rates On Spontaneous Stays

Embark on a journey to uncover the secrets of Last-minute hotel deals, where hidden gems and unbeatable savings await at every turn.

Whether you’re a spontaneous traveler or a deal hunter, this guide is your key to unlocking the best rates on last-minute stays.

Exploring the Concept of Sustainable Fashion

Sustainable fashion is a growing movement in the fashion industry that focuses on reducing the environmental impact and improving social responsibility throughout the entire supply chain of clothing production. It involves practices that aim to minimize waste, use eco-friendly materials, and promote fair labor conditions.

Key Principles and Practices of Sustainable Fashion

• Using organic, recycled, and biodegradable materials to reduce the environmental footprint of clothing production.
• Implementing ethical labor practices, such as fair wages and safe working conditions, to support garment workers’ well-being.
• Embracing circular fashion models that promote reuse, recycling, and upcycling of clothing to extend their lifecycle.

Examples of Sustainable Fashion Brands and Their Impact

• Patagonia: Known for its commitment to sustainability, Patagonia uses recycled materials and supports environmental causes.
• Everlane: Transparent about its production processes and pricing, Everlane focuses on ethical sourcing and quality craftsmanship.
• Reformation: With a focus on eco-friendly materials and sustainable practices, Reformation aims to reduce waste in the fashion industry.

Analyzing the Effects of Social Media on Mental Health

The excessive use of social media has been linked to various mental health issues, including anxiety, depression, and low self-esteem. Different social media platforms can impact mental well-being differently, depending on factors such as content exposure, engagement levels, and comparison behaviors.

Relationship Between Social Media Usage and Mental Health

• Excessive social media use can lead to feelings of inadequacy, loneliness, and FOMO (fear of missing out).
• Constant exposure to unrealistic beauty standards and curated lifestyles on platforms like Instagram can negatively impact self-esteem.
• Cyberbullying and online harassment can contribute to increased stress and anxiety among social media users.

Tips for Maintaining a Healthy Relationship with Social Media

• Set boundaries for social media use, such as limiting screen time and establishing tech-free zones in your daily routine.
• Curate your social media feed to follow accounts that promote positivity, inspiration, and mental well-being.
• Engage in offline activities, such as hobbies, exercise, and social interactions, to balance your digital and real-life experiences.

Understanding the Basics of Cryptocurrency Trading

Cryptocurrency trading involves buying, selling, and exchanging digital currencies using online platforms. Unlike traditional trading, cryptocurrency transactions are decentralized and operate on blockchain technology, which ensures secure and transparent transactions.

Role of Blockchain Technology in Cryptocurrency Transactions

• Blockchain technology serves as a decentralized public ledger that records all cryptocurrency transactions in a secure and immutable manner.
• Transactions on the blockchain are verified by network participants through cryptography, eliminating the need for intermediaries like banks.
• Smart contracts, self-executing contracts with predefined rules, are used in blockchain technology to automate and secure transactions.

Guidelines for Beginners in Cryptocurrency Trading

• Research and understand the basics of cryptocurrency, including different types of coins, exchanges, and wallets.
• Start with small investments and diversify your portfolio to manage risks effectively in the volatile cryptocurrency market.
• Use reputable cryptocurrency exchanges and implement security measures, such as two-factor authentication and cold storage, to protect your investments.

Learning the Fundamentals of Astrophotography

Astrophotography is the art of capturing celestial objects and phenomena through photography. To take stunning astrophotographs, you need specialized equipment like a DSLR camera, telescope, and tracking mount. Techniques such as long exposure and stacking are commonly used to capture clear and detailed images of stars, planets, and galaxies.

Best Locations and Times for Astrophotography

• Choose dark sky locations away from light pollution for optimal visibility of celestial objects, such as national parks, observatories, and remote areas.
• Plan your astrophotography sessions during astronomical events like meteor showers, eclipses, and planetary alignments for unique photo opportunities.
• Consider factors like weather conditions, moon phases, and celestial coordinates when scheduling your astrophotography shoots for the best results.

Exploring the Health Benefits of Meditation

Meditation has been shown to have numerous benefits for mental and physical health, including stress reduction, improved focus, and emotional well-being. Different meditation techniques, such as mindfulness and transcendental meditation, offer unique approaches to achieving inner peace and mindfulness in daily life.

Incorporating Meditation into Daily Routines for Optimal Health Benefits

• Start with short meditation sessions each day and gradually increase the duration as you build your practice and comfort with the techniques.
• Find a quiet and comfortable space to meditate, free from distractions and interruptions, to fully experience the benefits of mindfulness and relaxation.
• Experiment with different meditation styles and techniques to discover what resonates with you and supports your overall well-being and mental clarity.

How to Find Last-Minute Hotel Deals

Finding last-minute hotel deals can be a great way to save money on your accommodations. Here are some tips on how to secure the best deals and maximize your savings:

Where to Look for Last-Minute Hotel Deals

• Check online travel agencies like Expedia, Booking.com, or Hotels.com for exclusive last-minute deals and discounts.
• Look for flash sales or limited-time offers on hotel booking websites for significant savings.
• Consider booking directly with hotels by calling their reservation desk to inquire about any available last-minute discounts or perks.

Maximizing Savings on Last-Minute Bookings

• Sign up for alerts or notifications from hotel booking websites to stay informed about any new deals or promotions.
• Be flexible with your travel dates and destinations to take advantage of the best deals available.
• Consider alternative accommodations like hostels or vacation rentals for cost-effective last-minute stays.

Leveraging Loyalty Programs and Credit Card Rewards

• Use your loyalty program memberships or credit card rewards to earn points or discounts on spontaneous hotel bookings.
• Check for special promotions or bonus offers for loyalty program members that can help you save even more.

Factors Affecting Last-Minute Hotel Deals

When it comes to last-minute hotel deals, several factors come into play that influence the availability and pricing of these offers. Understanding these factors can help travelers make the most of such opportunities and enjoy significant savings on their accommodation.

Location Influence on Last-Minute Deals

Location plays a crucial role in determining the availability of last-minute hotel deals. Popular tourist destinations or cities with high demand are less likely to offer significant discounts on short notice. On the other hand, less frequented areas or hotels in less busy neighborhoods may be more inclined to provide attractive last-minute deals to fill up their rooms.

Seasonality Impact on Last-Minute Deals

Seasonality heavily impacts last-minute hotel deals, with peak and off-peak seasons affecting pricing and availability. During peak travel times, such as holidays or major events, hotels are less likely to offer discounted rates for last-minute bookings. In contrast, off-peak seasons present a higher chance of finding great deals due to lower demand.

Hotel Occupancy Rates and Pricing Adjustments

Hotel occupancy rates directly influence last-minute deals, as hotels adjust their prices based on demand fluctuations. When occupancy rates are low, hotels are more willing to offer discounts to attract guests and fill their rooms. Conversely, when occupancy is high, last-minute deals are scarce, and prices tend to remain high.

Role of Online Travel Agencies

Online travel agencies and booking platforms play a significant role in promoting last-minute hotel deals. These platforms often feature exclusive deals and discounts for last-minute bookings, encouraging travelers to take advantage of discounted rates and special offers available only through their platforms.

Successful Strategies for Attracting Customers

Hotels employ various successful strategies to attract customers through last-minute deals. Some common tactics include offering package deals that combine accommodation with additional perks like dining credits or spa treatments, providing loyalty program members with exclusive last-minute offers, and utilizing targeted marketing campaigns to reach potential guests seeking spontaneous getaways.

Risks and Considerations with Last-Minute Hotel Deals

When it comes to booking last-minute hotel deals, there are certain risks and considerations that travelers should be aware of to ensure a smooth and pleasant experience. It’s important to understand these factors and take necessary precautions to avoid any potential issues during your stay.

Potential Risks Associated with Booking Last-Minute Hotel Deals

• Limited availability of rooms, especially during peak travel seasons or popular events, which may result in not finding suitable accommodation.
• Higher prices compared to booking in advance, as hotels may increase rates for last-minute bookings to maximize profits.
• Possibility of ending up in a lower-quality room or hotel due to limited options available at the last minute.

Importance of Reading the Fine Print

It is crucial to carefully read the terms and conditions, cancellation policies, and any additional fees associated with last-minute hotel deals. The fine print may contain important information regarding the booking, which can impact your overall experience and financial commitment.

Recommendations for Mitigating Risks

• Plan ahead and keep an eye on potential last-minute deals without waiting until the last minute to book.
• Use reputable booking platforms or websites that offer transparent information and reliable customer reviews.
• Contact the hotel directly to inquire about last-minute availability and negotiate rates if possible.
• Consider joining loyalty programs or hotel memberships to access exclusive last-minute offers and perks.

Comparison: Last-Minute Hotel Deals vs. Advanced Booking

Booking a hotel room can be a crucial decision when planning a trip. Understanding the advantages and disadvantages of last-minute hotel deals compared to advanced bookings can help travelers make informed choices based on their specific needs and preferences.

Scenarios where last-minute deals are more beneficial than booking in advance

• Last-minute deals can be advantageous for spontaneous travelers who have flexible travel dates and destinations.
• Travelers looking for budget-friendly options may find better discounts on hotel rooms through last-minute deals.
• In situations where hotels have unsold inventory, last-minute deals offer an opportunity to fill these rooms at a lower price.

Cost savings potential between last-minute deals and advanced bookings

• Advanced bookings often provide discounted rates for travelers who plan their trips well in advance, allowing them to secure lower prices.
• Last-minute deals, on the other hand, can offer significant savings for travelers willing to take the risk of waiting until the eleventh hour to book a room.
• Comparing prices between last-minute deals and advanced bookings for the same hotel room on different dates can help travelers determine the cost-effective option for their specific travel plans.

Strategies for Booking Last-Minute Hotel Deals

When it comes to booking last-minute hotel deals, there are several strategies you can employ to increase your chances of securing the best offers. Flexibility in your travel plans is key to taking advantage of these deals. Here are some expert tips to help you navigate the process efficiently.

Step-by-Step Guide for Booking Last-Minute Accommodations

• Start by checking multiple hotel booking websites and apps to compare prices and availability.
• Consider booking directly through the hotel’s website or contacting them by phone for potential last-minute discounts.
• Be open to different room types or locations to increase your options for finding a deal.
• Check for any loyalty programs or memberships that may offer exclusive last-minute deals.

The Importance of Flexibility in Travel Plans

Flexibility is crucial when hunting for last-minute hotel deals. Being open to changing your travel dates or destinations can greatly expand your opportunities for finding discounted accommodations. By adjusting your plans to fit the available deals, you can maximize your savings and make the most of spontaneous travel opportunities.

Destination Spotlight

When it comes to last-minute hotel deals, there are certain cities that stand out for offering great opportunities to travelers on short notice. Whether you’re looking for a spontaneous getaway or simply enjoy the thrill of finding a bargain, these destinations are worth considering.

Cities Known for Last-Minute Hotel Deals

Here are some popular travel destinations where last-minute hotel deals are frequently available:

• New York City, USA: Known for its dynamic hotel market, New York City often has last-minute deals available, especially during off-peak seasons or weekdays.
• Las Vegas, USA: The city that never sleeps also offers plenty of last-minute hotel deals, as hotels compete to fill their rooms on short notice.
• Bangkok, Thailand: With a wide range of accommodation options, Bangkok is a great place to find affordable last-minute deals, particularly in the bustling city center.

Best Times to Find Last-Minute Deals in Specific Cities

Timing is crucial when it comes to scoring the best last-minute hotel deals in specific cities. Here are some insights on when to find great bargains:

• New York City: Look for deals on weekdays or during the winter months when tourism slows down.
• Las Vegas: Midweek stays are typically more affordable, as weekends tend to be busier and pricier.
• Bangkok: Consider booking last minute during the shoulder seasons, such as spring and fall, for better rates.

Recommendations for Travelers

If you’re planning to explore these destinations on short notice, here are some recommendations to keep in mind:

• Be flexible with your travel dates to take advantage of last-minute deals.
• Use price comparison websites and apps to quickly find the best offers.
• Sign up for hotel newsletters or loyalty programs to receive exclusive last-minute deals.

Case Studies: Successful Last-Minute Hotel Deals

In this section, we will explore real-life examples of travelers who managed to secure incredible last-minute hotel deals. We will analyze the strategies they used, their overall experience and satisfaction, booking platforms utilized, location and time of booking, loyalty programs, and savings achieved.

Traveler 1: Last-Minute Deal in a Major City

• The traveler utilized a popular last-minute booking app to find a discounted rate in a major city.
• Booking was made late in the evening for a same-day check-in, taking advantage of the hotel’s need to fill rooms quickly.
• The traveler was a member of the hotel’s loyalty program, which provided additional savings on top of the last-minute rate.
• Compared to regular booking prices, the traveler saved 40% on the room rate.

Traveler 2: Spontaneous Beach Getaway

• This traveler scored a last-minute deal for a beachfront resort by calling the hotel directly.
• The booking was made mid-week during the off-season, allowing for significant discounts on room rates.
• No loyalty programs were utilized, but the traveler saved 50% compared to standard booking rates.
• The flexibility of travel dates and willingness to book on short notice contributed to the success of this deal.

Traveler 3: Weekend Escape in a Tourist Destination

• By using a combination of a hotel booking website and a discount code, this traveler secured a last-minute deal in a popular tourist destination.
• The booking was made early in the morning on the day of check-in, capitalizing on last-minute cancellations and vacancies.
• The traveler was not a member of any loyalty program but still managed to save 30% on the room rate compared to regular booking prices.
• The traveler’s willingness to be flexible with accommodation choices and arrival times played a crucial role in obtaining the discounted rate.

Insider Tips from Hotel Industry Experts

When it comes to scoring the best last-minute hotel deals, insights from industry professionals can be invaluable. Hotel managers and experts have shared some insider tips on how hotels manage their last-minute inventory, provide deals, and attract guests looking for spontaneous bookings.

Managing Last-Minute Inventory

• Hotel managers often monitor their occupancy rates closely to determine how much inventory is still available for last-minute bookings.
• They may release unsold rooms at discounted rates closer to the check-in date to fill up the remaining vacancies.
• Some hotels use dynamic pricing strategies, adjusting rates based on demand and competition in the market.

Timing for the Best Deals

• Experts suggest that the best time to snag last-minute deals is usually mid-week when hotels experience lower occupancy rates.
• Booking during off-peak seasons or avoiding major events and holidays can increase the chances of finding attractive last-minute offers.
• Hotel managers often release deals late in the day or early in the morning, so checking for updates during these times can be beneficial.

Pricing and Promotions Adjustment

• Hotels may offer additional perks or discounts, such as complimentary breakfast or room upgrades, to entice guests to book last-minute.
• Special promotions like flash sales, limited-time offers, or exclusive discounts for loyalty program members are commonly used to attract spontaneous bookings.
• Dynamic pricing tools help hotels adjust rates in real-time based on factors like demand, competitor pricing, and historical booking data.

Tech Tools and Apps for Finding Last-Minute Hotel Deals

Finding last-minute hotel deals can be made much easier with the help of various tech tools and apps. These platforms offer exclusive deals and discounts that can help travelers save money on their accommodations. Let’s explore the top 5 apps and websites known for offering these last-minute hotel deals.

Top 5 Apps and Websites

• Expedia: Expedia is a popular platform that offers last-minute hotel deals along with flight bookings. The user interface is easy to navigate, and users can set up price alerts for specific destinations.
• Hotels.com: Hotels.com also provides last-minute deals on hotel bookings. The platform is user-friendly, and users can earn rewards through the Hotels.com loyalty program.
• Booking.com: Booking.com offers a wide range of last-minute hotel deals with detailed information about each property. Users can easily filter their search results based on their preferences.
• HotelTonight: HotelTonight is dedicated to providing exclusive last-minute hotel deals. The app has a simple interface, and users can set up notifications for price drops on their favorite hotels.
• Last Minute Travel: Last Minute Travel specializes in offering discounted rates on last-minute hotel bookings. The platform is easy to use, and users can access additional savings through their membership program.

Setting Up Price Alerts

To make sure you don’t miss out on the best deals, here is a step-by-step tutorial on setting up price alerts on these platforms:

1. Download the app or visit the website of your chosen platform.
2. Create an account or log in if you already have one.
3. Select your destination and travel dates.
4. Look for the option to set up price alerts or notifications.
5. Customize your alert preferences, such as specific hotels or price thresholds.
6. Save your settings and wait for notifications of the best deals.

Maximizing Savings

To maximize your savings on last-minute hotel deals, consider combining loyalty programs or credit card perks with these offers. By using loyalty points or taking advantage of credit card benefits like cashback or travel rewards, you can further reduce the cost of your accommodations.

Comparison of Commission Fees

Platform	Commission Fees	Hidden Charges
Expedia	5%	No hidden charges
Hotels.com	3%	No hidden charges
Booking.com	6%	No hidden charges
HotelTonight	4%	No hidden charges
Last Minute Travel	7%	No hidden charges

Customer Experiences with Last-Minute Hotel Deals

When it comes to booking last-minute hotel deals, hearing about the experiences of other travelers can provide valuable insights. Whether it’s a spur-of-the-moment getaway or a business trip with unexpected changes, knowing how others have fared can help you make informed decisions.

Positive Experiences and Memorable Stays

• Many travelers have shared stories of scoring amazing deals on high-quality accommodations by booking last-minute.
• Some have mentioned enjoying unexpected upgrades or complimentary services as a result of their spontaneous booking.
• Memorable stays at unique boutique hotels or luxurious resorts have been a common theme among those who opted for last-minute deals.

Challenges Faced by Travelers

• One common challenge reported by travelers is the limited availability of room options when booking last-minute, especially during peak travel seasons.
• Some travelers have mentioned experiencing higher prices than expected due to the urgency of their booking, particularly in popular tourist destinations.
• Flexibility in terms of location and specific hotel preferences can sometimes be necessary when booking last-minute to secure the best deals.

Sustainable Travel

Traveling sustainably is becoming increasingly important in today’s world, and even last-minute hotel bookings can have a significant impact on the environment. By examining the carbon footprint, waste management practices, energy consumption, water usage, and food waste management in hotels that cater to spontaneous travelers, we can better understand how to make eco-friendly choices even when booking last-minute deals.

Carbon Footprint of Last-Minute Hotel Bookings

• Research shows that last-minute hotel bookings can have a higher carbon footprint compared to advanced reservations due to increased energy consumption for short-notice arrivals and departures.
• Hotels that accommodate last-minute guests often have to ramp up their operations quickly, leading to more energy usage and emissions.

Waste Management Practices in Hotels

• Hotels with high last-minute booking rates may struggle with waste management, as they have less time to plan for food and material consumption, leading to increased waste generation.
• Implementing efficient waste management systems can help reduce the environmental impact of last-minute stays.

Energy Consumption Differences

• Hotels that cater to last-minute guests may experience fluctuations in energy consumption, as they need to adjust their operations quickly to accommodate sudden bookings.
• Comparatively, hotels with advanced bookings can plan their energy usage more efficiently, leading to lower overall consumption.

Offsetting Environmental Impact

• Travelers can offset the environmental impact of last-minute travel decisions by choosing eco-friendly hotels, supporting sustainable initiatives, and participating in carbon offset programs.
• Opting for hotels with green certifications and sustainable practices can help mitigate the ecological footprint of spontaneous trips.

Water Usage in Hotels

• Hotels with high last-minute booking rates may experience increased water usage due to sudden spikes in occupancy, leading to higher water consumption for cleaning and guest amenities.
• Comparatively, hotels with planned reservations can manage their water resources more effectively, resulting in lower overall usage.

Food Waste Management Systems

• Last-minute stays can result in higher food waste generation in hotels, as they may have limited time to adjust their food preparation and serving quantities.
• Hotels can implement strategies such as donation programs, composting, and portion control to reduce food waste associated with spontaneous bookings.

Eco-Conscious Choices for Travelers

• Travelers can engage in eco-friendly practices even when opting for last-minute hotel deals by choosing accommodations with sustainability initiatives, such as energy-efficient operations and waste reduction programs.
• By supporting eco-conscious hotels that offer last-minute deals, travelers can contribute to the promotion of sustainable practices in the hospitality industry.

Negotiating Last-Minute Hotel Deals

When it comes to securing the best rates for last-minute hotel bookings, negotiation skills can play a crucial role in helping you save money and enjoy a comfortable stay without breaking the bank. Whether you’re a frequent traveler or just looking for a spontaneous getaway, mastering the art of negotiation can make a significant difference in the final price you pay for your accommodations.

Tips for Negotiating Better Rates

• Research the market rates for similar hotels in the area to have a benchmark for negotiation.
• Call the hotel directly and inquire about their current availability and rates before making a reservation.
• Be flexible with your travel dates and room preferences, as hotels are more likely to offer discounts on less popular days or room types.

Leveraging Loyalty Programs and Memberships

• Join hotel loyalty programs or use membership benefits to access exclusive discounts and perks.
• Show your loyalty status or membership card during check-in to potentially unlock special rates or room upgrades.
• Utilize loyalty points or rewards to offset the cost of your last-minute hotel booking.

Bargaining with Hotels for Last-Minute Deals

• Express your interest in booking multiple nights or additional services to negotiate a better overall package rate.
• Ask about any ongoing promotions or package deals that can be applied to your last-minute booking.
• Politely inquire if there is room for negotiation on the initial rate quoted by the hotel, especially if you have found lower prices elsewhere.

Legal Considerations for Last-Minute Hotel Bookings

When booking last-minute hotel deals, travelers need to be aware of their rights and responsibilities to avoid any potential issues. Understanding consumer protection laws related to last-minute bookings is essential for a smooth experience. In case of disputes or problems with last-minute reservations, knowing the necessary steps to take can be beneficial.

Cancellation Policies Awareness

• Travelers should always make sure to read and understand the cancellation policies of last-minute bookings before confirming a reservation.
• It is crucial to be aware of any penalties or fees that may apply if a booking needs to be canceled or modified.
• Checking the terms and conditions regarding cancellations can help travelers avoid any unexpected charges.

Terms and Conditions Importance

• Before finalizing a last-minute hotel reservation, it is important to carefully read and comprehend the terms and conditions provided by the hotel or booking platform.
• Understanding the rules regarding payment, check-in/check-out times, and any additional fees can prevent misunderstandings later on.
• Travelers should pay attention to any clauses related to changes or cancellations to know their options in case of unforeseen circumstances.

Addressing Legal Issues

• Common legal issues that may arise from last-minute hotel bookings include disputes over charges, room availability, or amenities not meeting expectations.
• Travelers can address these issues effectively by documenting any discrepancies, contacting the hotel or booking platform promptly, and seeking a resolution.
• Keeping records of communications and agreements can be helpful in case further action is needed to resolve a legal dispute.

Legal Protections Comparison

• Travelers should be aware that legal protections may vary depending on whether the last-minute booking was made directly through a hotel’s website or a third-party booking site.
• Booking directly with a hotel may provide different rights and recourse compared to using a third-party platform, so understanding the differences is essential.
• It is advisable to review the terms of service and policies of both the hotel and the booking platform to determine the extent of legal protections available.

Trends in Last-Minute Hotel Deals

In the ever-evolving landscape of the hospitality industry, last-minute hotel deals have become a popular choice for travelers seeking flexibility and cost savings. Let’s delve into some key trends shaping the dynamics of last-minute hotel bookings.

Impact of Mobile Apps on Last-Minute Hotel Booking Industry

With the widespread use of smartphones, mobile apps have revolutionized the way travelers search for and book last-minute hotel deals. These apps provide convenience, real-time updates, and personalized recommendations, making it easier for users to find the best offers on the go.

Role of Social Media Influencers in Promoting Last-Minute Hotel Deals

Social media influencers play a significant role in influencing consumer behavior and promoting last-minute hotel deals. By partnering with influencers who have a strong following, hotels can reach a larger audience and create buzz around their last-minute offers, driving more bookings.

Advantages and Disadvantages of Booking Last-Minute Deals through Online Travel Agencies vs. Hotel Websites

Booking last-minute deals through online travel agencies offers a wide selection of options and competitive prices. However, booking directly through hotel websites may sometimes provide exclusive deals, loyalty benefits, and a more personalized experience for guests.

Evolution of Last-Minute Hotel Deals Over the Past Decade

Over the past decade, last-minute hotel deals have evolved from being sporadic and unreliable to becoming a structured and strategic part of hotel revenue management. Technology advancements, changing consumer behaviors, and market competition have all contributed to this transformation.

Strategy for Effectively Marketing and Selling Last-Minute Deals in a Competitive Market

To effectively market and sell last-minute deals in a competitive market, a hotel chain can adopt a multi-channel approach, leverage data analytics for pricing strategies, collaborate with online travel agencies, and engage in targeted marketing campaigns to reach the right audience at the right time.

Closing Summary

From exclusive discounts to insider tips, Last-minute hotel deals offer a world of possibilities for savvy travelers seeking unforgettable experiences without breaking the bank.