Hi, Cookie ...
And glad you found us !!!
Alcoholic beverages (wine, beer, hard stuff) are never free on the Millie class ships and are subject to a 15% gratuity.
Coffe/tea are always included.
The "drinking program" card is for soft drinks (Coke/Pepsi/7-up)
Bloody Marys are ALWAYS a daily special as are some really weird drinks which change on a daily basis. You can bring your own wine aboard, no problem, but be prepared to pay $6 corkage fee for each bottle you bring to the table. If you are discreet, you can bring hard liquor aboard for consumption in your cabin.
Drinks (other than juices, coffee, tea, etc.) are always an extra charge.
Credit cards are perfectly acceptable (and easier to deal with). I recommend a "clean" card with no other charges on it so you have the "float" of your money for a couple of weeks. This may be the time to take advantage of one of those ubiquitous offers that show up in your mail at least three times a week.
Other than drinkage and shore excursions, the only charges you might incur are gambling (!!!), salon services, etc.
Let us know if we can help more and enjoy your first cruise. You will be hooked like all the rest of us !!!