Get out there. The only way to discover the rhythm of life in a place, and so figure out what to shoot, is to experience it. Many places, particularly hot ones, are active very early in the morning and late in the afternoon but rather in a lull around midday. Get up early, stay out late. If you are on a tour that is scheduled to leave the hotel or ship at 9:00, get up well before dawn. Wander around before meeting up with your companions. If the tour goes back to the hotel or ship for lunch, don't go with them. Rather than take the bus back at the end of an afternoon tour, hang around until after sunset and then take a taxi. Use any spare time to get out and look for photographs. Besides availing yourself of more opportunities, time spent discovering the place will enrich your experience.
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When you travel, saving money is often the exact same as earning. Quite often, exchanging a couple images with a hotel for a free room or a tour company for a free tour is totally worth it. In fact, when I was in Southern Africa, I did this a lot. Safaris are expensive, so I’d create a couple images for a company to use for their marketing purposes in exchange for a free safari. It really is win-win.
Make use of people to give your images life and scale. If the facade of a particular building appeals to you, the picture may be that much better if you show people walking in front of it. They will give it scale and also let viewers know what sorts of people live there, how they dress, and the like. An outdoor café may be more interesting crowded with people than empty.