In New York, it's easy to get swept up in a debt-inducing cyclone of $60-per-person dinners, $120 theater tickets, $20 nightclub covers, and $300 hotel rooms. But one of the good things about the city is that you can spend in some areas and save in others. Within Manhattan, a cup of coffee can cost from $1 to $4, a pint of beer from $5 to $8, and a sandwich from $7 to $10. Generally, prices in the outer boroughs are lower than those in Manhattan.

The most generously bequeathed treasure of the city is the arts. The stated admission fee at the Metropolitan Museum of Art is a suggestion; you can donate a lesser amount and not be snubbed. Many other museums in town have special times during which admission is free. The Museum of Modern Art, for instance, is free on Friday from 4 to 8. In summer a handful of free music, theater, and dance performances, as well as films (usually screened outdoors), fill the calendar each day.

Prices here are given for adults. Substantially reduced fees are typically available for children, students, and senior citizens.

Credit Cards

Record all your credit card numbers—as well as the phone numbers to call if your cards are lost or stolen—in a safe place, so you're prepared should something go wrong. Both MasterCard and Visa have general numbers you can call if your card is lost, but you're better off calling the number of your issuing bank, since MasterCard and Visa usually just transfer you anyway. Your bank's number is typically printed on your card.

Reporting Lost Cards

American Express. New York, New York, 800/528–4800;

Diners Club. New York, New York, 800/234–6377;

Discover. New York, New York, 800/347–2683;

MasterCard. New York, New York, 800/627–8372;

Visa. New York, New York, 800/847–2911;