Why You Don’t Have to Spend Extra Money on a Cruise

One of the reasons I love cruising so much is because it’s one of the most budget-friendly ways to travel. When you book a cruise, your fare already includes way more than you might expect. In fact, if you’re watching your wallet, you can go your entire trip without spending an extra dime onboard — and still have an amazing time.

A couple excitedly plans their upcoming cruise, counting money with smiles, knowing their vacation expenses are covered by the cruise fare.

Personally, I like to prepay my gratuities, taxes, and port fees when I book. It just gives me that peace of mind knowing most of my expenses are already taken care of before I even step foot on the ship. But even if you don’t prepay, there’s still so much that’s already included in your cruise fare.

Let’s break it down…

What’s Already Included in Your Cruise Fare:

1. Your Stateroom

This is your home away from home for the entire trip. Whether you book an inside cabin or splurge on a balcony, you’ll enjoy daily housekeeping, fresh linens, and a cozy space to relax after a day of adventures.

2. Main Dining Room & Buffet Meals

Breakfast, lunch, dinner, snacks, and even late-night bites are included. Many ships also have grab-and-go spots for pizza, burgers, or ice cream — all part of your cruise fare.

3. Entertainment

From Broadway-style shows and live music to comedy acts and game shows, there’s never a shortage of things to do — and they’re all free.

4. Pools & Sun Decks

You can spend your sea days lounging by the pool, soaking in a hot tub, or finding a quiet spot with an ocean view.

5. Fitness Center

Want to burn off last night’s dessert? Most ships have a gym that’s free to use, with cardio machines, weights, and sometimes even free fitness classes.

6. Kids & Teen Programs

If you’re traveling with little ones, youth clubs are usually included and offer supervised activities so the kids can have fun while you get some “me time.”

7. Basic Drinks

You’ll always find free options like water, tea, coffee, and some juices. You don’t need to buy a drink package unless you want sodas, specialty coffees, or alcoholic beverages.

Things You Should Still Budget For

Even if you don’t spend a penny onboard, you still have to get to the ship — and that’s where a little planning goes a long way.

• Transportation to the Port

  • Flying: Budget for airfare and airport transfers to the cruise terminal.

  • Driving: Factor in gas, tolls, and parking fees at the port.

  • Car Rental: Compare rates and check drop-off locations.

• Parking Costs

  • Port parking can be pricey. Look into off-site lots that offer shuttle service for a lower rate.

• Lodging Before Your Cruise

  • I always recommend arriving at least one day before embarkation. Why?

    • To avoid delays that could cause you to miss the ship.

    • To wake up well-rested and ready for the excitement of embarkation day.

    • To give yourself a mini pre-cruise vacation!

Final Thoughts

Cruising is one of the easiest vacations to budget for because so much is already included in your fare. If you take advantage of all the meals, entertainment, and amenities that come with your booking — and plan ahead for transportation and lodging — you can have an amazing trip without overspending.

Everything else, like specialty dining, excursions, spa treatments, or drink packages, is purely optional. And that’s the beauty of it — you get to choose exactly how much (or how little) you want to spend.

So whether you’re cruising on a shoestring budget or simply want to keep your trip affordable, remember: the best parts of a cruise are already paid for before you even set sail.