Cruise Line Vacation: Planning For A High Seas Getaway

It sounds so simple. Instead of paying for your hotel, your travel, food and fun extras separately, you pay one bill. Your hotel is your destination! cruise ship - marion community credit unionMany of these cruise lines even advertise themselves as “all-inclusive.” It’s tempting to look at that price and think that’s all you have to pay.

Unfortunately, it’s a little more complicated than that. Cruise fares typically include your room and meals in a buffet-style dining hall. If you want more than that, you’ll need to budget a little bit more than the quoted price. Let’s take a look at a few extras you might have forgotten about and how to budget for them.

1) Tipping
You’re surrounded by a virtual army of service workers, most of whom depend on gratuities to make a living wage. Most cruise lines know this. Carnival, Royal Caribbean and Norwegian all include a $12 per person per day automatic gratuity. Most other cruise lines charge a similar fee. You pay these charges at the end of the cruise, and they can be quite frustrating if you’re not expecting them.

The cruise lines add the same automatic gratuity to optional services. If you and your partner each get cocktails at a poolside bar, you can expect to see an 18% gratuity added to the bill. The same is true if you get a massage or attend a yoga class. This extra charge is on top of any tip you add to ensure prompt service or reward personnel who go above and beyond their job descriptions.

How much you should budget for tips on your cruise will depend upon how much you rely on the service workers on the cruise line. At the lowest, you should expect to pay $200 per person for a weeklong cruise.

2) Internet access
We’ve become accustomed to constant access to our email and social media profiles. Many people experience a sense of anxiety if they’re cut off for any length of time. If you actively manage your investments or have a high-pressure job, being out of touch can cost you quite a bit of money. 4G access isn’t available on the open ocean and cruise lines charge a hefty premium for onboard internet usage.

Expect to pay 75 cents per minute for data usage. If you know beforehand that you’ll need some email and web-surfing time, bulk packages can drop the price to 55 cents per minute. If you want 20 minutes every morning to check your email and flip through your news sites, expect to pay $100 for a seven-day cruise.

You can cut down on this price somewhat by using internet cafes during port excursions. The trade-off is that you’ll spend your tropical island time in front of a screen rather than in the sand.

3) Shore excursions
Cruise lines take advantage of the fact that their audience is usually unfamiliar with the locations the ship visits. They charge inflated prices for tours and other shore trips. You can save money by booking these trips on your own with local tour services. You can even save by taking self-guided tours or just wandering the port. Even so, you can expect to spend between $50 and $100 per excursion. Be sure to include the price of souvenirs, meals and drinks in tropical locations.

If all this seems overwhelming, bear in mind that it’s still worth it. A cruise is a fantastic way to get away from it all and see many different locations in a quick vacation. These are costs you’d have to pay with any other vacation; they’re just hidden a little bit behind the price tag for the cruise.

Now that you have an idea of what your fantasy cruise vacation will cost, you might want to explore savings options. Marion Community Credit Union offers an easy-to-use Vacation Club Savings Account. You can take your vacation budget, divide that by the number of weeks you have to save, and auto-withdraw the amount from your paycheck or checking account every week or pay period. You’ll even earn some dividends on your savings!

If you don’t want to wait for that getaway, a Vacation Loan could be a good option as well.

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Our mission statement is only one sentence: "Marion Community Credit Union strives to strengthen the financial fitness of our members." No fluff, no extra. We're here to make things better for your individual situation. If you live or work in Marion or Morrow County (Ohio) and want a partner who looks out for your best interest when it comes to auto loans, checking accounts, and home loans, check us out at www.marioncu.com.