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Old July 18th, 2009, 11:23 AM
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Default paying for a cruise

When I see the cruises that other members have taken, I wonder how do they afford to take 2 and 3 cruises a year. I try to take one every other year, and that's due to alot of saving.

The way I do it is I book early, pay my down payment, then pay on it until the pay off deadline. When it's time for my cruise it's all paid for and I don't have to worry about a credit card bill.

I'm courious how other people do it. Maybe I can, or someone else can get a tip or an idea on how to do it better.

In your opinion what is the best way to pay for a cruise?
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Old July 18th, 2009, 11:47 AM
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I do it the same way you do it. I book far in advance and make payments every so often until it's all paid for by the deadline. I still can't afford to go on a 7-day cruise. All of my cruises have been 4 days.
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Old July 18th, 2009, 11:55 AM
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I do it the same way as you, book way in advance pay the deposit and make payments. I like to look at it like I put my cruises on Layaway.
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Old July 18th, 2009, 12:18 PM
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Hi,

I book mine way in advance and by the time the cruise comes, its paid for and all I have to worry about is what I spend on board. Currently I have a cruise in Jan and Sept of 2010 that I'm paying for now. I'm also cruising Sept and Oct of 2009, but I have had those booked for a while so they are paid for.

The way I do it is I figure out how much it will cost for the cruise, then decide how long it will take me to save that amount by how ever much I can afford to put a way each month. If the amount is $100 per month, I can book a $1200 cruise 15 or so months in advance. You would still need to consider extra air / hotel, etc.

I have compared some of the land based vacations to cruising and I think cruising is a better value, plus I'm addicted to cruising - so I always find a way to go - and buying the inside cabins that are cheaper is a great way to get on the ship for less!!!!!
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Old July 18th, 2009, 12:22 PM
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A wise man here at Cruisemates once told me that to make payments is to give the interest you could make on the cruise to the cruise line, so I make the down payment. Each month I pay my savings account a certain amount, and pay it all to the cruise line at one time.
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Old July 18th, 2009, 01:21 PM
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I save money and when I book my cruise, I put it on my card and when the bill comes in, it's paid for. I work for an airline, so I don't have to pay for airfare, I get an interline discount and I also had enough points this time to get a hotel room for free the night before my cruise. Last year I did two cruises. This year I have one booked and am hoping to do one or two more before the end of the year.
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Old July 18th, 2009, 01:41 PM
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We book a year in advance.
We put the deposit down and I save the rest and pay at the end.
But we can only cruise every other year. Wish we could do more. Love to cruise. So we really enjoy our cruises knowing how we work hard for them. happy cruising everyone.
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Old July 18th, 2009, 02:21 PM
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We live in Central Florida, so if we cruise out of any of 5 Florida ports, we have no air fare to pay, and no hotel/motel at the beginning, and end of our cruises. We always book "inside" so we pay the least amount possible for our cruises. I'm former Military, so I always use the military discount. I don't drink much anymore, so we don't have a BIG bill at the end of the cruise. We almost never go ashore, and if we do we don't book expensive excursions, so that helps on the final bill as well. I have an EXCELLENT travel agent, who looks out for me, and always finds the best rates possible. As a result, we took six cruises last year. This year, because of starting a new business, we'll probably only do three.

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Old July 18th, 2009, 02:39 PM
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For us, it's a matter of extensive bargain shopping. We also live in Florida, so don't need airfare. But, the biggy is spending maybe too much time looking at prices for the various cruise ships and dates. Travel agents can't afford to do this anymore, so I do it myself. And not just once or twice. I scan the prices on a regular basis. We also book inside, usually guaranteed, since any cabin is better than no cabin.
For the person who mentioned only being able to afford 4 day, do a little online shopping. I can almost always find a 7 day that is very close in price to the 4 day cruises. Of course, we have a very open schedule, so can go with whatever dates are cheapest.
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Old July 18th, 2009, 05:29 PM
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Airfare is a huge expensive, my next cruise is driving distance. It's about 350 miles. It looks like Little Rock is a similar distance from New Orleans or Moblie. So I would suggest check cruises out of these ports. Also I don't cruise during High season; no summer, spring break, or christmas cruises. I look at early May, Feb, or January. These months are cheaper. Sept and Oct are also cheaper, but that is hurricane season so I don't book in those months.

Even with this we only cruise once a year and this year we won't be cruising at all. Next cruise is May 2010. It's better to delay a cruise and be able to afford it, then to cruise more than your budget allows.
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Old July 18th, 2009, 06:08 PM
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that's really all anyone can do that had to fly to cruise port. pay as much of a depositi as you can, then diviide the remaining amt by the no of months before it's all due to be paid off, and pay that amt every month

that's what I did for my first 4-nighter in 07 and what I'm going for the 4-nighter i'm taking in 3/10

I know that I wqill retire to Florida so I will try and live somewhere between port canaverl and miami so I can easily get to those ports and since I will be able to get last-minute deals and not have to worry a bout airfare, I plan to try and do one 7-10 day and 1 3-5 day cruise every year.[/quote]
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Old July 18th, 2009, 08:49 PM
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Quote:
Originally Posted by colorcrazie
For us, it's a matter of extensive bargain shopping. We also live in Florida, so don't need airfare. But, the biggy is spending maybe too much time looking at prices for the various cruise ships and dates. Travel agents can't afford to do this anymore, so I do it myself. And not just once or twice. I scan the prices on a regular basis. We also book inside, usually guaranteed, since any cabin is better than no cabin.
For the person who mentioned only being able to afford 4 day, do a little online shopping. I can almost always find a 7 day that is very close in price to the 4 day cruises. Of course, we have a very open schedule, so can go with whatever dates are cheapest.
Marty, the skinflint cruisahololic
I've tried, and tried, and tried, and I haven't been able to find anything close to a 4 nighter. I'm a teacher and whenever school's out that's when the fare seems to jump up in price. I've noticed, though, that during the summer season, prices fall considerably during the last week of August, just before Labor Day weekend.
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Old July 18th, 2009, 10:35 PM
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There is a lot I could say...but the bottom line is that we are blessed.
We pay for our cruises with our investment dividends. Even with the yuk market now....hubby has done an excellent job of investing. Nothing risky...just 20 years of wise moves.

Since the oldest is in college and the youngest is no longer in school (he is 18 and a special needs child) ... we are not locked into the high prices during the summer and Spring Break.

We try to keep it to $100 per person per day for an OV.
Hubby travels every week...so we use points for free airfare and hotel stays.

We don't gamble or drink a lot....and fortunately KARAOKE doesn't cost a thing!!!
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Old July 19th, 2009, 02:54 PM
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Katady, try early December. Hurricane season is over and pricest are usually at their cheapest. Besides, you live in earthquake country (I used to), so you would be much safer on a cruise in a hurricane than at home!
But, getsemani1, you are correct in that the prices will be higher when you are available to sail. When school is out, the kids are free to go on vacation with mom and/or dad, so prices go up. Very beginning or end of summer is probably your best bet. Good luck.
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Old July 19th, 2009, 10:24 PM
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Quote:
Originally Posted by colorcrazie
Katady, try early December. Hurricane season is over and pricest are usually at their cheapest. Besides, you live in earthquake country (I used to), so you would be much safer on a cruise in a hurricane than at home!
But, getsemani1, you are correct in that the prices will be higher when you are available to sail. When school is out, the kids are free to go on vacation with mom and/or dad, so prices go up. Very beginning or end of summer is probably your best bet. Good luck.
Marty
Hi Marty I will tell you something that shocked the heck out of me. Sacramento is not near any faults. So I'm in California, but not in earthquake country. I was surprised to find that out. Cause I moved from the Bay Area we have tons of faults over there including the Hayward Fault. Guess that is why Sacramento is the Captiol. It is 7:30PM and 106 degrees so there that. It's like an oven here.
Check it out:


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Old July 20th, 2009, 09:06 AM
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Katlady, I was raised in California, in southern Cal, for that matter. So, yes, I had my share of fearful shakings in my lifetime. I lived in Los Angeles and in San Bernardino, very near the desert. I envy you. I love California, but I moved to Puerto Rico in 1988, got married, moved to New Jersey and I've only been back to California 3 times.

My most freightening experience was in the summer of '87 when I was yanked out of my sleep at around 2:00 a.m. with my bed shaking, everything vibrating and that buzzing noise. I ran out to the livingroom, turned on the lights, looked out the window, and the funny thing is that everyone was doing the same thing. Many lights were turning on at that time. My sister and her husband slept through the whole thing.
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Old July 20th, 2009, 10:31 AM
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I was in the 1989 Loma Prieta Earthquake it was 7.1. The World Series saved lives. Beacause SF Giants V Oakland A's the earthquake occur right before the game so most people weren't on the Cypress structure when I collasped. That was the biggest earthquake I had been in. Earthquakes still don't make me that scared, because most are pretty small. I have never been in a Hurricane season that scares me.

Early December is interesting, but I worry about rain. Does it rain a lot in December? To bad Getsemani is a teacher, your breaks are at the most expensive times to cruise. What is the price of the 4 days you have been looking at. I took a 6 day cruise on Carnival Elation. Maybe you can find some 5-6 day cruises.
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Old July 21st, 2009, 02:17 AM
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getsemani1


Kelli's daughter is a teacher in Maine and also has to work her vacations around the school schedule. I would suggest you look at some of the five night cruises on the Fantasy type ships. They have some good prices and they are only a few bucks more then a four night and in some cases they are less, depending on cruise dates?? Kelli and I are going on the five night on the Destiny at the end of January 2010. We booked that cruise this past March, so we will have the money for our final payment which is due in early November. We also stay at a nice hotel the night before our cruise and that gives us another day on our "vacation". We live in Wisconsin so any break is good in the winter!! We have done many seven night cruises but Kelli has her own travel business so getting away in the winter is hard but we find time when we find a good price!! Good luck in your searches and thanks for teaching the kids! Lee & Kelli

PS: The Fantasy class ships offer many options for five night cruises, check them out. I also agree to keep looking at seven night cruises, just in case?
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Old July 21st, 2009, 08:20 AM
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Quote:
Originally Posted by Cruise-N-Arky
When I see the cruises that other members have taken, I wonder how do they afford to take 2 and 3 cruises a year. I try to take one every other year, and that's due to alot of saving.

The way I do it is I book early, pay my down payment, then pay on it until the pay off deadline. When it's time for my cruise it's all paid for and I don't have to worry about a credit card bill.

I'm courious how other people do it. Maybe I can, or someone else can get a tip or an idea on how to do it better.

In your opinion what is the best way to pay for a cruise?
How do we afford 2 cruises a year? My DW and I work our butts off and we need two holidays a year to re-coup.

We generally pay for them like you do. We try to sail when it is cheaper, Nov.-early Dec. and February. We look for deals and we do not confine ourselves to one cruise line.
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Old July 21st, 2009, 02:36 PM
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katlady,
You are certainly lucky to be that far away from fault lines. We went through the Northridge quake of '94 and were a mile from the epicenter. That was scary!
But, to all of you who worry about hurricane season, please relax. They are not as bad as you might think. Yes, a bad one can do a lot of damage, but that is relatively rare. The media and even the Weather Channel on tv only show the dramatic stuff. But, we have lived in Florida for a total of almost 20 years, on both coasts, and have never had anything worse than a bunch of debris in our yard and losing electricity. Being superstitious and going into the meat of the hurricane season, I am making myself jumpy writing this. More people die in Tampa area from being struck by lightning than in hurricanes. That's how statistically unlikely it is to suffer anything horrible. And, when you are on a ship, they can move that ship out of the path of the storm well in advance. So, worry less, please. Oh, and we have been on 2 cruises that got caught between 2 hurricanes, one of of Tampa, one out of Los Angeles. And even that wasn't too bad. Thought I had gotten drunk the first time, since I wasn't walking straight, then remembered that I don't drink very often anymore and was sober!
Happy, worry-free cruising to all,
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Old July 21st, 2009, 03:07 PM
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I am a big bargain shopper. I'd rather take 2-3 cruises in the cheaperst I/S guarantee room per room than 1 with a balcony, But that's just my preference. DH and I drink a little, but not to grow a huge bar tab on board (Love the free cocktails at Captain's and Past Guest Parties!). We rarely spend any time in the casino losing $$$. Generally do the ports 'on-our-own' or off ship excursions.

I have found many 7-day trips that cost $25-100 more than the 4-5day ones per person. Really great bargains to be found JUST BEFORE the holiday weeks of Thankgiving and Xmas.

Happy Hunting!
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Old July 21st, 2009, 04:04 PM
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Quote:
Originally Posted by colorcrazie
katlady,
You are certainly lucky to be that far away from fault lines. We went through the Northridge quake of '94 and were a mile from the epicenter. That was scary!
But, to all of you who worry about hurricane season, please relax. They are not as bad as you might think. Yes, a bad one can do a lot of damage, but that is relatively rare. The media and even the Weather Channel on tv only show the dramatic stuff. But, we have lived in Florida for a total of almost 20 years, on both coasts, and have never had anything worse than a bunch of debris in our yard and losing electricity. Being superstitious and going into the meat of the hurricane season, I am making myself jumpy writing this. More people die in Tampa area from being struck by lightning than in hurricanes. That's how statistically unlikely it is to suffer anything horrible. And, when you are on a ship, they can move that ship out of the path of the storm well in advance. So, worry less, please. Oh, and we have been on 2 cruises that got caught between 2 hurricanes, one of of Tampa, one out of Los Angeles. And even that wasn't too bad. Thought I had gotten drunk the first time, since I wasn't walking straight, then remembered that I don't drink very often anymore and was sober!
Happy, worry-free cruising to all,
Marty
How I just need to convince my hubby. I think his concern is missing ports due to hurricane.
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Old July 21st, 2009, 05:56 PM
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I wonder if Carnival has any special rates for teachers. I think we should be compensated and not punished for teaching. We work very hard during the school year, dealing with students, parents, school administrators, meeting deadlines for report cards, etc. etc. etc.

Does anybody know of any cruise line that actually rewards teachers during "our vacation" with lower fares?
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Old July 21st, 2009, 06:01 PM
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Yes there are some promotions for teachers. You should check with a good cruise travel agent or call the cruise line and ask.

No harm in checking...


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Old July 28th, 2009, 11:22 AM
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Well I wish they would have a special price for older, single people.
Because I have to pay full price for being single....I do not drink much or buy things on the ship or take excursions....I know they price by the cabin not the bed, but I figure I use less bedding, towels ect....they could some how cut the price somewhere for us singles.....but I do like Carnival....
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Old July 28th, 2009, 07:47 PM
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Quote:
Originally Posted by Luanne Russo
A wise man here at Cruisemates once told me that to make payments is to give the interest you could make on the cruise to the cruise line, so I make the down payment. Each month I pay my savings account a certain amount, and pay it all to the cruise line at one time.
DITTO for me.
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Old July 31st, 2009, 12:05 PM
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Some things I do to help pay for cruises:

1...Work a lot of overtime (Uncle Sam loves me for that...lol).
2...Finally got the wifes car paid off...freeing up some funds.
3...Quit smoking....will be one year in Nov 09....multiple benefits there besides cruise money.
4. Book early (used ES for latest Carnival cruise and have saved over $750 so far).
5. Book a cruise date when school is in session or during non-holiday season, for better rates.
6. Utilize cash back incentives provided by our credit cards. These range from 1% - 5% on average.
7. Try and obtain any other benefits/discounts provided by cruise line or T/A as applicable (such as military discount).
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Old July 31st, 2009, 01:22 PM
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I have the most unusual way of saving for a cruise. Back in the 80's when I first started cruising I was also an avid bingo player. I went with friends and played every evening. When I won half of my winnings went into my savings the other half went into my purse for the next game. I did 4 cruises and a 10 day trip to Hawaii and a 5 day trip to Las Vegas by using this method. It may not work for everyone but it did work for me.

Laura
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Old August 4th, 2009, 04:53 AM
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Best way to pay for a cruise like almost everyone has mentioned is to pay as much as you can on the deposit. Save up money monthly and pay in one big chunk in the end.

When it comes to getting cheaper rates it all depends when you can cruise and where you live. Cheapest times to travel are Feb, March, Sep, Oct. The best thing to do is usually try and find a good travel agent that will take their time and help you not just take your money. Tell him all your request and dont buy a packages that is out of your budget BE PATIENT. If you rather do it on your own you must do A LOT A LOT of research. Us travel agents get loads of email with completely different offers on a regular bases, so if you are looking on your own don't jump to buy the first deal you see TAKE YOUR TIME and look around. If you have time do at least one month of research before you jump on something. If you have a port near your area try and book a cruise there. Or if you have to fly try and find a cheap air flight first then look at what kind of cruises you can go there. These days flight prices are about the same everywhere so it all depends on where your going. I have seen many deals with free Air Fair with certain suppliers on those week + cruises to Mediterranean. So maybe just the money your saving on air fair is worth picking on of those.

Hope this helps...
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Old August 4th, 2009, 07:17 AM
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Quote:
Originally Posted by Cruznut2
I have the most unusual way of saving for a cruise. Back in the 80's when I first started cruising I was also an avid bingo player. I went with friends and played every evening. When I won half of my winnings went into my savings the other half went into my purse for the next game. I did 4 cruises and a 10 day trip to Hawaii and a 5 day trip to Las Vegas by using this method. It may not work for everyone but it did work for me.

Laura
Laura, my mother does a similar thing. I bought her a little jar that says Cruise Fund on it and she saves money in it. She adds up how much she saves on coupons and that amount goes in there. If she has a little win on the lottery, that goes in there too. Like you, if she has a win at bingo, that goes in as well. She and I have a deal about bingo. If we go together and either of us win over $200, we split the winnings lol.
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