Both the cruise line and travel agents offer a layaway (if you will) payment plans when it comes to booking a cruise. I mean who has that kind of money to put down up front?
The concept is fairly simple, in fact, it's exactly like if you were going to Target, Kmart, or Sears. The idea is simple, plan your cruise enough in advance so it isn’t a strain on your wallet. I used to like to plan about six months out, this way I had four months to pay it off, which should be plenty, even if your pay 100 bucks a month.
This is how I do it:
Plan my date
Pick my cruise
Put down a deposit (starts at 100 dollars pp)
Pay balance within 61 days (generally) of sailing
With a layaway program, you don’t have to worry about putting all the money up front and not being able to sail because you don’thave the cash. A recommendation that I find very helpful is to go ahead and prepay the gratuities along with your excursions too. The more you pay ahead of time, the less out of pocket you have to pay. Remember that travel agents are sometimes a lot more beneficial than booking directly through the cruise line.
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