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Old July 24th, 2007, 02:01 PM
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Default Saving money for cruising.....

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Old July 24th, 2007, 02:59 PM
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Default Re: Saving money for cruising.....

Quote:
Originally Posted by Angelgal
How do you save money for cruising? What things do you deny yourself in order to save money for your cruises. Notice I said "CRUISES!.
I spent 20+ years denying myself as a single parent and then a wife (short marriage). At this point, I try not to deny myself of anything. I just time purchases and endeavors so that they all flow smoothly together.

If I don't have the cash, I put the cruise on my credit card. I am like you and don't like debt so I will pay it off in a month or two.
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Old July 24th, 2007, 06:33 PM
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well,luci. iput my cruise on my credit card and then pay it off hopefully in a few months. my spending money comes from a little envelope that i keep and put a 20 or 50 in through the months...works for me
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Old July 24th, 2007, 06:37 PM
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Default Re: Saving money for cruising.....

Easy - no cable tv, no cell phone, and no high speed internet at dad's place. That alone pays for one cruise a year and forces kiddo to read and participate in the real world.

A warning to parents who might likewise torture your children - those kiddos may wind up reading at a college level by age ten and actually do something constructive with their lives. 8)

Quote:
Originally Posted by Angelgal
How do you save money for cruising? What things do you deny yourself in order to save money for your cruises. Notice I said "CRUISES!.
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Old July 25th, 2007, 01:21 PM
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Old July 25th, 2007, 03:24 PM
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If you don't enjoy your life than what is the point of living it?
Quote:
Originally Posted by Angelgal


Sometimes I don't feel prosperous and I try to save money but then I think that life is too short and I should enjoy my life.
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Old July 25th, 2007, 10:05 PM
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I have been fortuante when it comes to money lately. Something happened that left my mother relatively comfortable financially and she decided to share it with my brother and I. She recently sold her house and decided to give my brother and I some money. I was able to pay off all my credit cards and now am free and clear except for the mortgage! I also have had a bonus year for electronics--digital camera, video camera, computer (had to cuz the old one died), printer (old me was way too old), 52" (yes, 52") LCD tv, hard drive DVD recorder, digital cable box, bed/mattress, and three cruises in a 12 month period.

I am able to set aside some funds for my retirement AND enough for at least four or five cruises over the next few years (and maybe more if I can set aside some $$ each month). I also have a roommate now--my mom, so I have someone help pay the bills.

My suggestion-if you don't need it, don't get it....
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Old July 26th, 2007, 12:02 AM
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I wish I could inherit some money out of nowhere. I am really happy for you because it does feel good to pay off your bills and get the necessary things in life plus get to cruise. Yeah!!! I am so happy for you that you have a nice Mom to cruise with because I have a Mom who never wants to go anywhere unless it is a Casino so she can gamble. I don't gamble.

I did look at the small Toyotas and they are affordable but I decided I like my car better. I nolonger have the wish for a small car anymore.

I am thinking of taking a short vacation to Mt. Shasta next month. Luci
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Old July 27th, 2007, 12:29 PM
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I teach during the summer, which is optional in my profession. I also have two savings programs which automatically deduct money from my checking every month. I'm sure that my financial advisor would like me to do other things with those savings, but when the sea calls. . .

Originally, this year I planned to use my summer teaching money to install some hardwood flooring in one room, but after calculating what that AND the cruise would cost, I decided I'll just clean the carpet and pay off the cruise in full. I hate carrying credit card debt and avoid it as much as possible.
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Old July 27th, 2007, 03:28 PM
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Hi professor, I saved lots of money for many years in TSA'S. I used to work as a college professor for many years but retired young so I could enjoy my life. I totally love my free time. I am part Comanche Indian and today I am going to a POW WOW and dance for more rain in California. I always say I want to dance for rain since we are having a super dry season.
My sister looks more Indian than I do. I look more Spanish with my blond hair. She laughed at me and said that the Indians were going to say that I am a white lady who wants to be Indian. I said to her... that the White people and the Indians know that I am part Indian when they look at me at the Pow Wow's.
The Indians do laugh at people who want to be Indian. They call them the "wanabees".

Going back to saving money..... I bought my dog some beef ribs with lots of meat on them for just $3.00 on sale. She doesn't like the expensive doggie snacks that have a lot of chemicals. I used to buy her expensive people beef jerky but it got too expensive.
I only let her eat the meat off the bones and throw the bones away. Dogs are not supposed to eat the bones.

I only have one married Adult son with 2 teens and they don't give me the time of day so I am spending their inheritance as fast as I can.
I love to cruise and travel so I am spending my money that way.

I told my financial planner that I am spending my TSA money on cruises.
Financial planners believe in leaving money for their adult kids. I don't.
I have already given my son and relatives lots of money and it is time to spend it on me. Angel gal/Luci
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Old July 27th, 2007, 04:23 PM
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angelgal, I like how you think. What did you teach at college? I teach English, specifically British literature, creative writing and composition.

Really neat info about your background. Last year I took my son to a local Pow Wow and found it interesting that many people of Native American descent can vary in appearance. There were men and women in their dancing clothes who looked like they could have been Irish, Scandinavian, etc. I have had African-American students who have participated in Pow Wows also. One even brought his costume to class one time. Very impressive!

Back to topic, when my son heard that I was going on a cruise without him, he wailed, "But I want to go on a cruise with you, Mommy!" He's ten. So I am already thinking of ways to save or earn money for a Dec 2008 cruise for him and me. Guess, I'll wait yet another year to buy that hardwood floor.
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Old July 27th, 2007, 07:20 PM
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Default Indians who don't look stereotypical Indian

JFYR, were you aware we have already had a native american in the White House. First Lady Edith (Bolling) Galt Wilson was Powhatan.
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Old July 28th, 2007, 01:39 AM
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I resolution for next year is to stop frequenting the bingo halls. Boy with the money I save, I can take mult. cruises next year.

I have traditionally cruised once per year. I know life is too short, and it's time I get out and see the world more.

My goal is 3 - 4 cruises next year, and new ports. I love the Carribean, and tend to go there exclusively, but I would like to set sail to news horizons.


With the increasing threats of terriorism, has this scared anyone from going to countriea around the world? This has crossed my mind and I am curious to find out if it has also crossed the minds of others.

I would love to see Europe, but a bit scared.

PJ
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Old July 28th, 2007, 10:56 AM
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Don't let fear get in your way of traveling anywhere in the world.....unless your intuition tells you not to go. Follow your intuition and you will be safe. Choose a well known travel agency that is first class where you will stay at the top hotels and the agency has the common sense to know which cities and countries are safe to travel. They keep up with the latest gov. travel warnings.

I think that when there are threats of terriorism.... that is the best time to travel because people get scared off from traveling and there will be less travelors in your way of the things you want to see instead of long lines to see something.
Plus, the prices go down during those threats of terriorism. Best time to buy.
Right after the 9/11 incident I cruised to Hawaii and half of the ship was empty. We had the best service ever on the cruise ship. We also had top security at all the ports. My intuition told me that Hawaii was safe at that time. My 12 day cruise was only $700. on Celebrity. It was a last minute buy. I bought it just two weeks before the cruise when the prices crashed down.

A Singles group also went on a Middle-Eastern land trip for two weeks and they came home safe. It was right after 9/11 too. A work friend of mine lost $3,000. because she was afraid to go with the group and didn't buy travel insurance. Really stupid not to buy travel insurance.

I have a couple of friends who travel all over the world including dangerous countries and they have never had a problem. They travel with top travel agencies. It doesn't mean they pay more money to travel it just means that they choose the best.

I have a friend who over paid for her 3 week trip to Europe with some travel agency that was not well organized... and she had the worst time ever... due to the agency choosing a cheapy airline company and lousy hotels. Plus, they kept losing her luggage. That was strange because it kept getting lost several times. She came home tramatized from her experience.

My answer to your question is "NO, I am not afraid of traveling anywhere." But I do follow my intuition.
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Old July 28th, 2007, 12:05 PM
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I have been around the world and back and there is no way that a terrorism threat will keep me home. It is only letting them win and that's what they want. One the state department web site there is a listing of all the countries in the world. The ones that you want to steer clear of is the ones that have an American Citizen do not travel status. The reason being, the American embassy or consulate has been closed in those coutries and if you get into trouble.... you are really on your own.

If you're traveling in a group in a high risk country, travel agencies normally alert embassies that they have a group in the country. That is how many years ago, we were airlifted out of Greece when civil unrest broke out.

The other thing right now, is with the war in Iraq and the vast dislike of the US, it is unwise to wear something like and Old Navy Tee with a big American Flag. In this day and age, you could be setting yourself up as a target when traveling in a foreign country.

Diane
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Old July 28th, 2007, 01:31 PM
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Indeed, it has. Some hesitation on taking my kiddo to Europe, Africa or the Middle East, some hesitation on flying American Airlines or United, flying through London and etc.

Quote:
Originally Posted by cateyes2u
With the increasing threats of terriorism, has this scared anyone from going to countries around the world? This has crossed my mind and I am curious to find out if it has also crossed the minds of others.

I would love to see Europe, but a bit scared.

PJ
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Old July 28th, 2007, 08:49 PM
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Diane, thank you for the information you have given us because it is very helpful. It's good to know this information.

I have a British friend who knows I like to wear flashy bright clothes every where I go. When I was making plans for Europe she advised me to wear simple dark colors so I wouldn't stand out as I walked the streets of Europe. I went with a tour group that had mostly a lot of nice couples.
I didn't have a friend with me so when we had free time to explore the city on our own I would go every where by myself. I mostly wore black pants, black walking shoes, a plain top, and a black simple jacket and no jewelry except a simple watch. I had fun going everywhere.

But when I went to see the Vatican by myself... I wore a simple dress that had sunflowers on it and sandals. It was May 1996, and I have saved my sun dress as a reminder that I got to go into the Pope's office to deliver a painting I had painted for him.
People today tell me that it is not allowed to visit the Pope unless you have an appointment. That it is almost impossible to see the Pope. At that time I didn't realize that it would have been hard to see the Pope. I guess the security guards let me into his office because I had that determination that I had a special gift for the Pope.

After my European trip I decided that I would always wear simple clothes and no jewelry and just have fun walking around in every place I visit outside of my country.

I love to dress up for church and become Trendy Lucie. I wear all of my bright colors and beautiful jewelry. I also dress up on the cruise ships.
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Old July 30th, 2007, 10:21 PM
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Wow, I did not expect a reply to my post. Thanks everyone for the wise advise. On my next land venture, I will explore the website recommended and choose a reputable TA, and to wear dark clothing. Now this I would have never thought of. I would never think of wearing a US T-Shirt or anything with an American Flag on it.

Angelgirl, I like the tip about saving money during a terrorist threat because people aren't booking. I must confess I have never bought travel insurance. I have been fortunate that I did not have to cancel any scheduled trips. But you never know when an emergency arises. It's something to think about in the future

Cateyes2u
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Old July 31st, 2007, 01:14 AM
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I try not to buy designer things for me, such as clothing, or purses, I can't see spending $300 and up on a purse, Id rather put that $300 towards a trip. I don't have fancy cable tv just the basics, I get netflicks to save on movie rentals, I don't use the internet on my cell phone. There are lots of little side jobs one can do to earn extra money for travel as well. Everyone's skills are different. Some people babysit, others walk dogs, some sell vitamins or cosmetics, you get the idea....

I don't drive a fancy car eather, it's used but it's paid for in full. I read Consumer Reports whenever I purchase a car, it give your info on how much repairs will cost, parts, and what kind of gas milege it has, as well as how it preforms, and any mechinical problems with certain makes or models. I also read them for other purchases like a Vacum cleaner ,TV, or other electronics, and appliences, to get more bang for my buck. THis way you find out how a product preforms before you spend. You can also reasearch items on line and read reviews.

I don't like to charge things on my card if I do I try to pay it off in full when the bill comes, this way Im not paying any interest. Lately Im shopping for better interest rates on CD's and on line banks. I found a great on line bank, and it has fantastic rates. Shop for the best interest rates on credit cards as well. If one card isn't up to par cancell it and get another company. Ditto for car insurance, just make sure you get a company that will pay, not some fly by night operation.

I don't go out a lot at home, to bars etc, I do go to movies, and out for dinners, but I try to eat at home to save. And there are many inexpensive ways to have fun if you have some friends, and a bit of imagination.I will work side jobs and put aside extra money, for vacation. Cruising makes planning easier cause your meals and on board entertainment are included, you also have tip guide lines.

I always research the cruises, and prices, then I research the ports and the shore excursions availible both with the ship and with private venders,
worse comes to worse one could get into a cab and head to a beach, shop or other destination, or simply walk around the town or port to save money. In Nassau I took a city bus for $1 to the Zoo then took a cab back to save time. In 3rd world type countries I stick to the ships excursions or would try to get a group together and talk to the ship personal to make sure Im in a certified cab, some places anyone with a car might offer you a ride so best to be safe.

I don't drink alcohol, sodas, or gamble much so this saves me more money. I will watch airfares for a while to get an idea on the best prices before I book. I have signed up for fare watcher emails that notify me of changes. I also found when I fly on a cruise day Im too tired to really enjoy it so for me it's best to arrive at least one day in advance of sailing.
I also get a chance to see a few local sites at the port Im visiting. For me since I don't live in a port, I like to plan cruises from various ports but airfare is always a consideration. I can save the most by cruising from Florida usually. Strange how airfare from Chicago to New York is higher but that's probally due to New York being a business destination. Hope this helps.
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Old July 31st, 2007, 01:38 PM
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Showcat, you gave us some great ideas. Nobody cares if your purse is a designer purse. I buy the knock offs just for fun sometimes.

CruisePhD... I used to teach U.S. History of the Southwest, and Personal Developement and Career Planning classes. But then I decided I truly enjoyed Career Counseling and became an expert at it. I liked the freedom I had in my career. I could take time off any time I wanted to because I wasn't teaching. I would plan my schedule way in advance.

I have African-American friends who are part of the Crow tribe.
When you go to a Pow Wow next time..... try to notice the COLORS that each tribe wears. The Apaches wear the colors of Red and Black.
My Comanche tribe wear the color Blue and Red. It is the women who carry a shawl on their arms that show their tribe name and colors.

There are some travel agencies who plan once per year Single Parents with Kids cruises. VTG only plans them once per year I think. They had one this past year. So keep an eye out for the coming year.
I have a grandson that maybe I can plan to take him on a cruise. He wants to see the Anartica for some reason. I would rather take him on an Alaskan cruise next year.
Have you asked your son what ports he would like to visit?

Buy "Pergo" instead of real wood for your floors. It is cheaper, and beautiful. I love my Pergo floors. It is so easy to clean too. Angel gal
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Old August 2nd, 2007, 12:54 AM
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I want to say first and foremost that single lifestyle in America is very expensive! Really ... I pay just over $2900 in SCHOOL TAX annually, and I don't even have any kids. Additionally, kids in America think education is a joke these days. That said, I wish there's a way to get all the school taxes refund, so I can pay for grad school and cruise vacations ....damn social responsibility ....

If you're looking to save money, then learn to cook -- and, don't wine and dine too much at restaurant. Here's a list of the things I'd recommend single males can do to save $$:

1) date only one girl.
2) summon Rosie Palmer if your significant expects you to pick up dinner tab. Learn to split the cost lol
3) Get your neighbor(s) to share the internet access/cost. (I used to charge my neighbors $10 per month for internet access)
4) Turn off cabe service and learn to read more
5) Learn to look for coupons in Sunday newspaper. Believe it or not, little things add up.
6) cancel any monthly memberships you do not need or use.
7) don't waste $$ on designer clothing. and, shop at Ross or Outlet mall.

well, the above list doesn't work for me, but it may help you. Personally, I can't live a frugal lifestyle -- and, women don't like cheap men either. On that note, money spent is money enjoyed. And, if you cannot afford it, then CHARGE it!

Good luck and cruise well =)
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Old August 2nd, 2007, 12:53 PM
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Quote:
Originally Posted by xCalBear
well, the above list doesn't work for me, but it may help you. Personally, I can't live a frugal lifestyle -- and, women don't like cheap men either. On that note, money spent is money enjoyed. And, if you cannot afford it, then CHARGE it!

Good luck and cruise well =)
Hahahahhaaha!!! You are funny!!! Just a question, how old are you to possess all of this wisdom.

Hahahahaha
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Old August 2nd, 2007, 03:44 PM
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Bear also made me laugh and laugh. I thought it was really funny.
I totally agree with Bear that a guy should only date one gal at a time. I dumped my last boyfriend when I found out he was dating other gals. I totally don't like a boyfriend to be spending money and time that could be my experience with him than to be having a fun time with another gal.

I once read a book on how to save money and be frugal. It has some great ideas for the frugal people. It was really funny when the idea of covering your body with newspapers to stay warm at home during winter instead of turning on the heat was amazing information.

I like to spoil myself with the things in life that I feel I really WANT in my life. Cruising is super expensive. I could have bought me a Jaguar car that I really wanted but knew it was not the best way to spend my money. I would have missed out of $40,000 worth of cruises. My present car cost me $23,000 which is something I really needed.

The best way to make a decision is.... do I need it or do I want it. Either choice is okay. Angel gal
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Old August 2nd, 2007, 05:30 PM
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here is what I did to save for my last cruise. just before Thanksgiving, I broke up with my girlfriend, saving me a bunch of money. first, I didn't have to make the trip to spend the holiday with her family. Then Christmas, since we were no longer together, I didn't have to buy her or her family any presents, small fortune saved there. Then comes Valentines, which usually soaks me for at least $200.00 for flowers and dinner. With those savings, I was able to book a balcony cabin for 7 day Wesrtern Caribbean Cruise, along with airfare, drinks, souvinirs, etc. I figure by staying single I can afford to do three week long cruises a year.
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Old August 2nd, 2007, 05:39 PM
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I was only kidding, lol!! Truth be told, most women beat me to the punch when it comes to giving the proverbial boot. I have workrd very hard to be where I am today financially. I have a growing business that demands lots of my time. Vacationing is what I do to recharge the batteries and unwind.For me, the question isn't 'how can you afford to?', it's 'how can't you afford to?' It is an investment in my wellbeing. And I've found by cruising I meet some of the funnest, well adjusted people. Bill
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Old August 2nd, 2007, 08:06 PM
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It is a joke -- public education with its teach-to-the-test mantra is really bad news. 8)

Quote:
Originally Posted by xCalBear
Additionally, kids in America think education is a joke these days.
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Old August 2nd, 2007, 09:55 PM
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Quote:
Originally Posted by Billy Boy
here is what I did to save for my last cruise. just before Thanksgiving, I broke up with my girlfriend, saving me a bunch of money ...
Billy ... I had to laugh at this one! Made me remember last year just before Christmas ... My 20 year old broke up with her boyfriend, and I said to her "what the hell is wrong with you?? A girl NEVER breaks up just before Christmas!!"

Of course, I was kiddin also when I said that to her -- because if I was her boyfriend, I would have broke up with her long before that! She's 20, waaaaaay too cute, with an attitude to match (which she didn't get from me!).
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Old August 3rd, 2007, 06:34 PM
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Quote:
Originally Posted by IBCRUZIN'
Quote:
Originally Posted by xCalBear
well, the above list doesn't work for me, but it may help you. Personally, I can't live a frugal lifestyle -- and, women don't like cheap men either. On that note, money spent is money enjoyed. And, if you cannot afford it, then CHARGE it!

Good luck and cruise well =)
Hahahahhaaha!!! You are funny!!! Just a question, how old are you to possess all of this wisdom.

Hahahahaha
I've learned three factors that reduces a man's saving [and] life force: Liquor, smoking, and woman. And, if a man can learn to eliminate smoking and drinking liquor, then he will have a bigger saving. Overall, moderation is the key to a better saving. Too many of these things (woman, liquor and smoking) can kill a man.

To answer to your question .. I am still young [and] foolish. I have a LONG journey ahead before I can earn my first true wisdom.

Have a nice day ;-)
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Old August 3rd, 2007, 11:06 PM
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Actually, life teaches you that the latter two are far less deadly than the first.

RE: Too many of these things (woman, liquor and smoking) can kill a man.
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Old August 4th, 2007, 10:31 PM
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Hey Bear, I noticed you wrote down WOMAN.... you didn't type women.
It is clear to me that you do just want one woman at a time. That is a great attitude and a way to save your money for cruising.

A woman in your life will be more fun than the other stuff.

I would rather have a guy in my life than to drink or smoke. I don't drink or smoke. Oh.... I do like to eat fun foods. I also like meeting guys who like to eat like I do. Some guys can go the whole day without eating. That totally turns me off. Angelgal
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