Whether you’re heading out of town or need a local place to crash for at least a few nights, you’re saving a ton of money by staying with friends or family members. This is great, but just because you won’t receive an itemized bill at the end of your stay, doesn’t mean you can spend your visit freeloading.

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Prior to your arrival, Joyce Marter, a licensed psychotherapist and author of “The Financial Mindset Fix: A Mental Fitness Program for an Abundant Life,” suggested asking what you can bring.

“Ask if they’d like you to pick up any food or beverages or if you could bring ingredients to make a meal,” she said.

She said you should also ask permission before consuming any food or beverages, unless you’ve been explicitly welcomed to help yourself.

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Jodi RR Smith, president of Mannersmith Etiquette Consulting based in Marblehead, Massachusetts, said in most cases, you should also pitch in for food. She said factors like each of your socioeconomic situations and length of stay should factor into how much — if any — you contribute to the grocery bill.

“The longer the stay, and certainly one more than a few days, groceries and staples should be discussed during the planning phase,” she said. “Similarly with the dinner bill, who is paying should be an explicit conversation before reservations are even made.”

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Even if you’re cash poor, Smith said that doesn’t put you completely off the hook.

“The guest can always do something,” she said. “From getting up early to bring coffee and pastries back to making-serving-cleaning an entire meal, there is always something for a guest to do to show the host some appreciation.”

Marter agreed that you can — and should — contribute something, no matter how much cash you have to work with.

“Consider your budget and state clearly what you’d like to do,” she said. “For example, ‘Please let me contribute $50 to groceries — what is your Venmo?’ Or, ‘Let me pick up the food for our barbecue tonight — I insist.'”

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If you go out to eat, she said you should offer to treat, if the bill is within your budget — or at least offer to pay your portion.

Likewise, Marter said if you borrow a car, you should replace the gas you use. If you can afford it, she suggested filling up the tank as a nice gesture for allowing you to drive their vehicle.