Paypal charges the person receiving the money, much like how banks charge shops when you use ur c/card. I just use http://xe.com for a rough idea what its going to cost in Aussie $$, think "wow thats a darn good saving" and pay..

Have you joined up with paypal? you have to join up and confirm a number printed on your bill, thats if they still do it that way.... from memory your limited on what you can spend untill you enter the $$...?!