i LOVE cruising, and will be on my 29th in november on maasdam for a 14-day carib. i have just retired as an ex-college prof and, for over 6 years as a priest. i don't have lots of income,, and really never had. HOWEVER, i've never taken a cruise which wasn't planned and paid for in advance; and i always charge it and pay off the card each month. who would want to go to a party, have a great time, and then wake up to the 'hangover' of paying for it later -- it's over.
it always amazes me how people can gripe about 'hidden charges' or whatever on a cruise but think nothing about paying exhorbitant interest rates to a cc. save the interest; put the funds into fun!!! hombre