How Much Money Should You Take With You on a Cruise?

By Michael Ferguson

Cruises are a popular vacation choice for many people, offering a chance to explore different destinations while enjoying all the amenities of a floating resort. However, when planning your cruise, one important question you may have is: how much money should you take with you? Here are some factors to consider when budgeting for your cruise:

What’s Included in Your Cruise Fare

Before you start adding up expenses, it’s important to know what’s already included in the price of your cruise fare. Most cruises include accommodations, meals (in the main dining room and buffet), and entertainment. Some also include non-alcoholic beverages like water, tea, and coffee. Be sure to check with your specific cruise line for a complete list of what’s included.

Additional Expenses to Consider

While many things may be included in your cruise fare, there are still plenty of expenses that can add up quickly. Here are some additional expenses you may want to budget for:

  • Alcohol: Alcoholic beverages are typically not included in the cost of your cruise fare. Depending on how much you plan to drink, this can be a significant expense.
  • Excursions: If you plan on doing any shore excursions or activities in port, these can add up quickly.
  • Tipping: While some cruise lines include gratuities in their fares, others do not.

    Be sure to budget for tips for your cabin steward, waitstaff, and other service personnel.

  • Specialty Dining: Many cruises offer specialty dining options for an additional fee. If you want to try these restaurants, be sure to budget accordingly.
  • Casino Gambling: If you plan on gambling in the onboard casino, be sure to budget for this expense.
  • Spa Treatments: If you plan on indulging in any spa treatments like massages or facials, these can be an additional expense.
  • Shopping: There are often plenty of shopping opportunities onboard the ship and in port. Be sure to budget for any souvenirs or gifts you may want to purchase.

Tips for Budgeting

Now that you have an idea of what expenses to consider, here are some tips for budgeting for your cruise vacation:

  • Research: Do your research ahead of time to get an idea of what additional expenses you may incur. Look at your specific cruise line’s website and read reviews from past passengers.
  • Create a Spreadsheet: Create a spreadsheet with all the expenses you anticipate, including both fixed costs (like your cruise fare) and variable costs (like excursions and alcohol).
  • Be Realistic: Be realistic about how much money you will need.

    It’s better to overestimate than underestimate and run out of money mid-cruise.

  • Save Up Ahead of Time: Start saving up for your cruise well in advance so you have enough money when it comes time to book.
  • Avoid Overspending Onboard: While it can be tempting to splurge once onboard the ship, try to stick to your budget as much as possible. Avoid impulse purchases and think carefully before spending money on extras like specialty dining or spa treatments.

In Conclusion

Budgeting for a cruise can be a daunting task, but with some careful planning and research, you can ensure that you have enough money to enjoy your vacation without breaking the bank. By considering all the expenses involved and creating a realistic budget ahead of time, you can relax and enjoy all the amenities and experiences that your cruise has to offer.