In many tourist destinations, people may ask for money if you want to photograph them. Many of these places are desperately poor, and people have few ways of getting hold of cash. The money they ask for is usually not very much to us, but may represent quite a lot to them. How you deal with these situations is up to you, but remember that every time you buy a postcard, you are happy to spend the money for a picture somebody else took. Why not spend a little on your own?
You cannot always ask permission, of course. If you are shooting a street scene or a wide shot of a market, you can't run up to everyone and ask if it's OK. In general, people do not mind this sort of photography—it's only when they're singled out that they get uncomfortable. But not always. Be sensitive to the scene in your viewfinder. If people are getting nervous, ask permission or move on.
It's best to ask permission if you want to photograph someone, especially if you are working in close. Engage them before you pull out your camera. Learn at least how to say "hello" and "May I make a photograph" in the local language—just showing that you've made a little effort helps. Explain to them what you want to do and what it is about them that made you want to make a picture. If approached in an open and friendly manner, most people will be agreeable—many are flattered that someone has shown an interest in them and what they do. In places where there's a lot of tourism, you may run into people who are tired of being photographed—many tourists are not courteous enough to ask permission, and local people can come to feel abused and exploited. The only way to overcome this is to spend time with the people or to go to parts of the place less frequented by tourists.
After spending the last 6 years fiddling and learning photography, my wife and I are about to move to Cambridge, UK from Melbourne. We are planning to post and write about our European trips in a capacity that is more than just telling our family what we are doing with the goal of allowing our work to eventually pay for our travel. Our first real post will be up soon, looking at our short weekend trip into the Wimmera/Mallee to visit the new Silo Art in the region. My Wife is a much better writer than I am and is currently editing!
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Don’t undersell yourself. You might be doing your dream job, but you can’t do it for love alone – that won’t pay the bills and it will undermine your status as a professional. If clients are buying your work they should pay the going rate. I’Anson advises: “Don’t give pictures away in return for an airfare or hotel accommodation. It’s much harder to charge once you’ve set a precedent like that.”
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.