`This site is a good place to start, but I enjoy getting off the beaten path and avoiding tourist attractions.´ The destinations on your list pretty much define the beaten path. Don´t worry, though, thousands of tourists travel to these cities every year for good reasons, and those reasons certainly do not include avoiding the Eifel Tower, Louvre, Englischergarten, Trafalgar Square, etc.
Recommend you start with a good set of guidebooks that fit your travel style and budget. Rick Steves is good for a moderately priced Grand Tour, but not the best for backpackers trying to stretch every penny. Lonely Planet and the Rough Guides are more suited for backpackers and those who like more rugged outdoor activities. Some of their lodging recommendations, though, are based more on price than quality.
On currency exchange... don´t. Unless you absolutely must have the currency on-hand the second you arrive, just hit the first ATM you see (like, at the airport).