5 Things to Account for When Setting a Budget

Like I mentioned yesterday while the bulk of the costs associated with cruising is taken up by the costs of getting to and getting on the ship, it’s the extras that determine whether you end up with an economical vacation or something very different. One of the funny things about vacation is once we get out of our regular lives we enter this spare no expense mindset that we are forced to deal with once we get back to our real lives.

Shore Excursions – Other than the actual cost of boarding the ship cruise excursions are likely to be one of the largest extra cost items you will have. Like I’ve mentioned before these can cost anywhere from 25 dollars into the hundreds. I tend to avoid them but there are times where I see one that seems really good and when that situation occurs I don’t hesitate to jump on it. You shouldn’t hesitate either, some of them are great. However, when you book these excursions you must do so with costs in mind. If you are on a seven day cruise with 4 ports, booking an excursion each day can cost nearly as much as your stateroom. What you need to do is set your budget before you look at the list of excursions. This will give you an accurate reading on what you can really afford. If you wait until after you see the list you may start to rationalize things which can get you in trouble down the road.

Photos – On any of the main stream cruise lines there will be dozens of photographers taking photo after photo. While the ship photographers won’t be confused with Annie Leibovitz, Pete Souza or Gilles Bensimon they are all well versed at making you look good. Chances are you will see somewhere between 6 and 10 photos you would like to purchase. If you budget to buy them all, more power to you. However, if you get roped into buying those photos you will be looking at a roughly 200 dollars just in pictures. My advice to you is to set a number on how many pictures you will purchase before you get to the ship. Another tip is to wait until later in the cruise to buy those pictures, if you start buying early in the cruise you may get tempted to overspend if you see some “really good” ones on days 4, 5 and 6.

Drinks – There are no two ways about it, drinks onboard cruise ships are expensive. Depending on the cruise line you may be spending about 7 dollars per drink and those have varying amounts of alcohol. If you want to maximize the amount of alcohol for your dollar your best bet is either beer or wine. The alcohol content in these beverages is constant unlike the umbrella drinks. In fact, I find that getting one of the wine packages on the first night of the cruise tends to be a great value. Of course if you want to really maximize your vacation dollar you can always bring onboard your own booze.

Gambling – I love when I meet people who claim to be “good” gamblers. Unless you are into some seriously illegal stuff, there is no such thing as a good gambler. The exception to this rule is if you are playing poker or another game which pits you against other human players. The rest of the games played in the casino are games of chance, hence the word gambling. While you may get lucky occasionally make no mistake about it, the odds are against you. If you are a gambler do so with the understanding that you probably will not win. This includes playing bingo on the ship. Your best bet is to set a limit to the amount you will spend gambling and stick to that budget. I would go even further and say if you do happen to win big at some point, avoid the casino for the rest of the cruise.

Specialty Restaurants – Since the amount of food one can eat is usually limited by either waistband or time the danger of overspending here isn’t as great as the others but it does still exist. At 25 dollars a person, dining in specialty restaurants can get expensive. The food at the buffets and in the dining rooms is included in the cost of your cruise, take advantage of them. I’m not saying you should avoid the specialty restaurants at all costs. What I am saying is you should be conscience of what you are doing. I usually do one night at a specialty restaurant during seven day cruises. I have also learned to do my special night towards the end of the cruise. I’ve found that if I book a specialty restaurant at the beginning of the cruise I end up going again towards the end.

My philosophy on cruising is there is no one way to do it. All this post is meant to do is inform or remind my fellow cruisers of some of the pitfalls that I have stumbled into in the past. This isn’t to say don’t do this or don’t do that. My message is do what you want, but plan and make sure when you choose to do something it won’t come back to bite you when you get your end of cruise statement. It’s not uncommon for normally budget conscience cruisers (especially newbie’s) to get “doe eyed” once they board the ship. We all have weaknesses and at times we all will let our guards, the key is to not let things get too out of control.

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Saving Money On The Ship By Not Doing Anything

Here is a list of ten minimal effort ways to save money on board a cruise ship. Most of them are common sense and none are groundbreaking but they are all pretty useful and will save you money.  These are all low effort and most of them are no effort; they actually require that you DON’T take any action.

1. Don’t buy a soda card. – Although you may think buying a soda card is a great deal its not nearly as great a deal as drinking all the tea, punch, lemonade and water that was included in the price of your cruise.  If you are someone who absolutely has to have soda, carry it onboard.  Most cruise line will allow you to bring your favorite non-alcoholic beverage on board.

2. Don’t dine in the specialty restaurants. – Honestly, I love eating in the specialty restaurants but if I were planning to cruise on a budget, they would be among the first things to go. Cruise ships have so many eating options available that it doesn’t make a lot of sense to pay extra for another.  While it is a nice experience to have a special evening out in the specialty restaurant it isn’t a requirement for having a great cruise.  My most memorable dining experiences tend to be the in port local restaurants.  You can almost always find an affordable hidden gem by asking a life guard, taxi driver or shop keeper for a recommendation.

3. Stay away from the Casino. – If you are trying to make your cruise as economical as possible the Casino is probably the last place you should visit. However, if you do decide to gamble on board a cruise ship make sure to set and stick to a limit on how much you can lose.  While casino’s can be a lot of fun they are amongst the worst at providing bang for your buck.  Since I have yet to find a system for consistently winning in a casino I tend to leave gambling to the experts and those with money to burn; saves me a fortune.

4. Don’t use the ship phones. – Do yourself a favor and avoid using the 10 dollar per minute ship phones at all costs but of you must use it be sure to dial the wrong number. A few years ago, I needed to make a call via the ships phone. On the first attempt, I accidentally dialed the wrong number, which ended up being a 10-dollar mistake. Even though international roaming charges will apply, if you wait until you are in port to make calls it will be much cheaper.

5. Stay away from the Art Auctions. – Well, you can go to the auctions for the free champagne, just don’t buy anything. In all honesty, do you know if that piece of art is actually worth 600 dollars? If the answer is no, you should probably leave the art auctions to people with actual knowledge.  However, if do fall in love with a certain piece, see if you can find a cheap print of it.  When you get home have it framed and matted and use the money you saved as a payment on your next cruise.

6. Stay away from the Spa. – While many will say spas and cruises go together like peanut butter and chocolate, just say no. Truthfully, compared to many land based spas the services are merely so-so but the costs are not. However, if you want to get a massage while on vacation I would never want to stand in your way, but I will tell you not to pay full price. Over the course of your cruise, there will be many opportunities to enjoy these services at a discounted price. Take advantage of these opportunities.

7. BYOM – Bring your own meds. If you find yourself in need of some Excedrin or Benedryl, you can find them in the ships gift shops. Just be prepared to pay about five times as much as you would at your local drug store.  Do yourself a favor and put together a small “medical kit” before you leave home.  Not only will this come in handy should you get sick but you will be a hero to your tablemates who aren’t smart enough to read this blog.

8. Don’t buy the premium coffee, ice cream or pastries. – The price of the cruise includes many things, food and drink are among them. On most cruise ships food and drink are so readily available that it really makes no sense to pay additional for the specialty coffee, pastries and ice cream.  While some people are programmed to thinking cost is an indicator of quality, often times this isn’t true.  In fact, unless you are a real foodie oftentimes you can’t tell much of a difference in the free and premium ice cream.

9. Don’t buy ship photos. – When I return home from a seven day cruise I usually have somewhere between three and five hundred photos on my camera. Therefore, my belief is, if I didn’t shoot it, than it wasn’t worth shooting. The only time I break this rule is if a formal night picture turns out especially well.  That being said I do pose for every picture I get the opportunity to take, just in case one turns out so unbelievably well that it warrants the cost.

10. Don’t book ship sponsored shore excursions. – Excursions are the fastest way to (unless you are addicted to gambling) run up a huge shipboard account. While I don’t expect everyone to resist the urge to book an excursion through the ship, be selective in which ones you choose as some are better values than others are. In fact, if you do your homework you can find all of the excursions offered by the ships for a much lower cost by going straight to the excursion provider.  Personally I like to just walk of the ship and find a little adventure on my own, especially if it is a port I am familiar with.

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Ten No Effort Ways to Save Money Onboard a Cruise Ship

Here is a list of ten minimal effort ways to save money onboard a cruise ship. Without much thought I probably could have made a list of over one hundred ways but I wanted to make sure to only choose things that took little to no effort to do. In fact, nearly all of these tips specifically require a lack of taking action. Most of them are common sense and none are groundbreaking but they are all pretty useful and will save you money.

1. Don’t buy a soda card. – Although you may think buying a soda card is a great deal its not nearly as great a deal as drinking all the tea, punch, lemonade and water that was included in the price of your cruise

2. Don’t dine in the specialty restaurants. – Honestly, I love eating in the specialty restaurants but if I were planning to cruise on a budget, they would be among the first things to go. Cruise ships have so many eating options available that it doesn’t make a lot of sense to pay extra for another.

3. Stay away from the Casino. – If you are trying to make your cruise as economical as possible the Casino is probably the last place you should visit. However, if you do decide to gamble onboard a cruise ship make sure to set and stick to a limit on how much you can lose.

4. Don’t use the ship phones. – Do yourself a favor and avoid using the 10 dollar per minute ship phones at all costs but of you must use it be sure to dial the wrong number. A few years ago, I needed to make a call via the ships phone. On the first attempt, I accidentally dialed the wrong number, which ended up being a 10-dollar mistake. Even though international roaming charges will apply, if you wait until you are in port to make calls it will be much cheaper.

5. Stay away from the Art Auctions. – Well, you can go to the auctions for the free champagne, just don’t buy anything. In all honesty, do you know if that piece of art is actually worth 600 dollars? If the answer is no, you should probably leave the art auctions to people with actual knowledge.

6. Stay away from the Spa. – While many will say spas and cruises go together like peanut butter and chocolate, just say no. Truthfully, compared to many land based spas the services are merely so-so but the costs are not. However, if you want to get a massage while on vacation I would never want to stand in your way, but I will tell you not to pay full price. Over the course of your cruise, there will be many opportunities to enjoy these services at a discounted price. Take advantage of these opportunities.

7. BYOM – Bring your own meds. If you find yourself in need of some Excedrin or Benedryl, you can find them in the ships gift shops. Just be prepared to pay about five times as much as you would at your local drug store.

8. Don’t buy the premium coffee, ice cream or pastries. – The price of the cruise includes many things, food and drink are among them. On most cruise ships food and drink are so readily available that it really makes no sense to pay additional for the specialty coffee, pastries and ice cream

9. Don’t buy ship photos. – When I return home from a seven day cruise I usually have somewhere between three and five hundred photos on my camera. Therefore, my belief is, if I didn’t shoot it, than it wasn’t worth shooting. The only time I break this rule is if a formal night picture turns out especially well.

10. Limit the amount of ship sponsored shore excursions. – Excursions are the fastest way to (unless you are addicted to gambling) run up a huge shipboard account. Be selective in which ones you choose as some are better values than others are. In fact, if you do your homework you can find all of the excursions offered by the ships for a much lower cost by going straight to the excursion provider.

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