When the Wife and I went to the US in May, we organised the flights, hire car and hotel separately. I looked at Booking.com and a couple of other booking sites but in the end, I booked our accommodation with the hotel direct as it worked out almost £60 cheaper. I had to pay a very small deposit online to secure the booking, but that was done on my Starling debit card, in US Dollars. I paid the balance on the room the day we left the hotel, again on my Starling debit card. By that point, the Pound had strengthened against the Dollar slightly, so it worked out a few quid cheaper than if I had booked it weeks before. May 2019 was a good time to go to the US, the Pound has slumped a bit in the intervening two months.
We almost always organise our own package these days except for our all inclusive holidays to the Caribbean which are done direct with the provider over the phone. We haven’t actually booked a holiday through a High Street travel agent in over 15 years. The last time we did actually bother going into one, we’d already priced up the holiday online with Thomson before going into the Thomson travel agent in our town, only to be told that if we booked it in store, the price would go up by over £100 for one of their staff to book it for us. We promptly walked out and booked it online and haven’t bothered with a walk in shop again.