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  #1 (permalink)  
Old September 16th, 2004, 08:48 AM
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Default How do you pay for your cruise

How do most people pay for cruising? Do you just save up the money ahead of time? Take out a loan? I've also heard that Carnival has a credit card....anyone use this or know anything about this credit card?

Thanks for the help.
BonnieK
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Old September 16th, 2004, 09:10 AM
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Default Re: How do you pay for your cruise

what we usually do is start saving up, put something in the bank everyweek. We pay for the cruise with our credit card - its safer- just in case something goes wrong, and we pay off the cruise balance when the statement arrives with the money we have saved.
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Old September 16th, 2004, 11:01 AM
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Default Re: How do you pay for your cruise

The credit cards are usually a visa card. Disney and Royal Caribbean also have them. They are used for anything, but Disney will offer you 6 months no interest and rewards points, and RCI will offer you onboard credit or discounts for future cruises dependent upon use. Carnival is probably similar.
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Old September 16th, 2004, 12:05 PM
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Default Re: How do you pay for your cruise

This will be my first cruise and I've been saving faithfully!! I want to pay cash and not stick it on credit although I used my card to book it and will pay it off in full!!

Now just to save up enough spending money! How much is realistic?? I'm not sure!!

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Old September 16th, 2004, 01:10 PM
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Default Re: How do you pay for your cruise

We have a budget and put money away every month. We do pay by credit card (one that gives airline miles) and then pay in full when the statement comes in. We also budget our spending money monthly and save change. You'll be surprised how quickly it adds up. For our last cruise we had 5 people and our end of cruise total was about $1,500.00. This included about $500 for excursions and our tips of $350.00.

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Old September 16th, 2004, 02:33 PM
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Default Re: Re: How do you pay for your cruise

I would say $100 per person per day is a safe bet for spending money. If you have extra that will be a bonus.
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Old September 16th, 2004, 03:18 PM
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Default Re: How do you pay for your cruise

We are always saving up for that next cruise, in fact we usually have some idea before one cruise, what the next one will or could be...

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Old September 17th, 2004, 09:07 AM
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Default Re: How do you pay for your cruise

Thanks everyone for your advice.

We too are saving our money and putting our cruise on our credit card and then paying it off when the bill comes. I was just wondering if there was a better way of charging a cruise.

Darcy - how in the world do you cruise with 4 others and it only costs you $1500.00???

Thanks.
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Old September 17th, 2004, 11:11 AM
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Default Re: How do you pay for your cruise

I use my income tax return to pay off the charge card I put the cruise on. This way I get to vacation each year.
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Old September 17th, 2004, 05:48 PM
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Default Re: How do you pay for your cruise

I am going on my first cruise in June and I am paying money to my TA every month so by the time June gets here my cruise will be paid for including the tips. Around $200. each month. I can't wait for my cruise.
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Old September 21st, 2004, 11:06 PM
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Default Re: How do you pay for your cruise

I also pay for my cruise with my income tax and save my change and what ever extra money i have by the time my cruise rolls around i have spending money and my cruise is paid. Kelly
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Old September 24th, 2004, 02:02 PM
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Default Re: How do you pay for your cruise

We always put a dollar apiece in the shoe box next to the bed every time we get "frisky." It really adds up!

On our last cruise I opened the shoe box to count the money and found several $20 bills. I asked her where those came from and she told me everybody's not as cheap as me!

Regards,
Thomas
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Old September 27th, 2004, 07:09 PM
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Default Re: How do you pay for your cruise

hi bonnie

i always like to see how others pay for their cruise.

for me, i book and charge my cruise to the discover card a year before the cruise. then i pay double the amount per month to get it paid off by the time i go. then for my ""cruise savings fund """ that i dont touch, i work a 2nd part time job, i deposit 2 xmas club checks into, my income tax return goes in as well and anything else that comes my way as far as extra money ( ya right ). i dont eat out alot or spend money on frivilas things i really dont need. i try to put my change into a special container and i ask my family to only get me cruise things for xmas. i also book and pay for the big item tours way in advance. that way they are taken care of before i go. my friends and family think i am crazy, but i just feel i have my prioritys in the order i like them to be in. and i get lots of money saving tips from here on the boards. call me a frugal, crazzzzed person for the year ahead of time for the cruise but it sure makes for a nicer time and i can have fun and buy things i like on the trip.

thomas, you are too funny. i think you better start putting more money in to save grace with your wife.



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Old September 27th, 2004, 09:52 PM
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Default Re: How do you pay for your cruise

We save like crazy and never charge a cruise (or anythng else for that matter - charge cards and dorothy don't mix.....dangerous combination). Any discretionary income comes into the "cruise fund" - a savings account set up just for that purpose. I teach a couple of classes a week and that money is outside our regular budget - into the cruise acct. it goes.

My Mom will frequently send me birthday $$ or "just because" $$ - into the cruise fund. Rebate checks, tax refunds, you name it. It's surprising how those funds add up!

You crack me up, Thomas!!!

dorothy

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Old September 29th, 2004, 08:57 AM
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Default Re: How do you pay for your cruise

Hi all...I used to charge it and go...but having been thru a BK, I now save throughout the year and put it on the visa check card issued by my bank. I also use a reputable travel agent , and do my own homework to assure that I am getting the best rate that we can find.

Bill

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Old September 29th, 2004, 07:11 PM
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Default Re: How do you pay for your cruise

As a collector, collecting pop cans in Washington and taking them to Oregon where they are worth 5 cents each for refund is the best way...

Just Kidding!

David and I watch pricing very carefully. We try to pay cash at deposit time and cash at final payment time. Our cruise for Thanksgiving was only $600 P.P. for a double sized balcony cabin on the Constellation. We paid about half up front and half in September. We can't wait eventhough everywhere we're going has some hurricaine damage. What the hell!

Some of our best cruises have been the least expensive so be sure to shop around.
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