We always book with the cruise line and then make payments till it is paid off. It doesn't make sense to pay with a credit card when you can pay this way interest free. A person could actually book a cruise a couple years ahead and pay $25 per week till it is paid off if that is what it takes.
We save for retirement, probably not like we should, and make sure we vacation every year. I want to enjoy my money now while I am young and able and not chance something happening to me later on in life and not be able to enjoy retirement. We tell the kids all the time....Were spending your inheritance......Which is right, after all, we earned it!