@Scubaman, Yes I know it's not gone if I keep it for the next time, but it costs me a foreign exchange fee to buy the US dollars in the first place. So if I leave with cash from home for use on the island, I have to buy it. I can't pull it out in cash from my US bank account, unless I am outside the country. So, I try to estimate how much cash I will need, but sometimes it isn't enough and I have no choice but to use an ATM.

But it's also not gone, and is useable here at home, if I don't transfer it to USD in the first place. Just sayin'