Packing and other disasters

So I have too much stuff. This is a perpetual problem on the bike. I don't have enough (waterproof, attachable) luggage and I need too many last minute things. Which, along with bank limits and a 4 day weekend are causing problems because I also need to get forex. With cash as I resent paying a 2% fee just to use a debit card. Like that's fair - it's my damn money. Credit card fees I get, because it's their money, but debit cards? Hello? Can anyone say money-grubbing banks? Oh well. Guess it puts paid to a nice new piece of bike luggage. Back to trying to cram everything into one bag and hoping like hell all the hotels have irons. And while I'm hoping like hell? Please could it stop raining? Thanks.