One way you can pay for your cruise is to pay monthly....After making an initial deposit for your cruise, break down how much is left owed for the cruise by how ever many months is left b4 the cruise has to be paid for and pay your travel agent or the cruise line monthly. There are no interest charges this way, unlike paying by credit card, and normally automated tips and shore excursions can be added to the total to where you can keep your sail and sign acct very low on your cruise.
you owe 1200.00 on the cruise which is 7 days (based on double occupancy)
400.00 shore excursions
total is 1740.00
say you have 12 months b4 the cruise has to be paid for (which a cruise must be paid for approx 90 days b4 the actual sailing date)
make a monthly payment of 145.00 and say set aside 55.00 per month for added expenses on the cruise. for a total of $200.00 per month
Again this is just an example but it might give you some ideas on how to budget.