Poland Visit

Hi!
I am planning for my first International travel to Poland for 3 weeks.
I went to a travel agent, he told I have to pre-book each and every hotel I will stay.
Now, here's the catch: Since I am a solo traveler I won't like to go around under very tight schedule. Also I will be staying at very-economical hotels or hostels. And they don't have refund facility. What if I don't get a visa? Then I am doomed! I have saved money for over a year, I have cut down my expenses, I don't even spend over $2 on phone calls in a month.
It would be really disappointing if I don't get visa.
So it is Important to pre-book accommodation.?
P.S: Even air fare is non-refundable. Reply to this

@Jo Trouble thanks, I didn't knew much about website. Today I visited it for the first time, and I couldn't avoid myself to join in. Reply to this