Our How-To Guide for a Budget-Friendly Cruise Holiday

Cruising is often seen as a glamorous holiday option, offering luxury dining, world-class entertainment, and unforgettable trips to exotic destinations. But what if we told you this dream holiday doesn’t have to come with a hefty price tag?

With a little planning and the right approach, cruising can be an affordable getaway for anyone. Whether you’re a seasoned cruise enthusiast or trying it out for the first time, you can enjoy all the magic of a cruise holiday without breaking your budget.

This guide is packed with insider tips for planning a budget-friendly cruise. From choosing the right cruise line and itinerary to finding the best deals on tickets, we’ll help you save money from the start. You’ll also learn how to manage onboard expenses, avoid hidden fees, and maximise the value of included amenities like dining and entertainment.

Plus, we’ll share advice on how to make your adventure at sea unforgettable while staying within your budget. With a little strategy and preparation, your dream cruise is closer than you think!

Choosing the Right Cruise

Your cruise experience starts with a crucial decision—choosing the right cruise line and itinerary. Here’s how to find options that fit your budget without sacrificing an incredible experience.

Fly vs No Fly Cruise

When selecting your cruise, it’s important to consider whether you must book a flight to reach the departure port. A fly cruise, where you must fly to another country to join the cruise, will typically be more expensive than a no-fly cruise that departs from a port closer to home.

Flights add to the overall cost and can increase the complexity of your travel plans, especially when factoring in luggage restrictions, potential delays, or layovers. To keep costs low and make your journey simpler, try looking for cruises that depart from your home country or a nearby port that you can easily drive or take a train to.

However, if you are set on doing a specific cruise that requires a flight, make sure you factor the flight costs into your budget.

READ MORE: Guide to Fly or No Fly Cruise

Cruise Destination

Another tip to help reduce the cost of your cruise is to choose a more 'local' cruise. Consider options that navigate around the UK or explore destinations within Europe. These cruises often depart from UK ports, meaning you can avoid the added expense of international flights.

Additionally, when you’re on land, excursions and experiences in these regions are generally more affordable compared to destinations like the USA, South America, or the Caribbean. For example, sightseeing tours, cultural activities, and dining in local restaurants in Europe or the UK tend to be more budget-friendly while still offering memorable experiences.

Local cruises also provide a great opportunity to discover hidden gems closer to home, making them a cost-effective and convenient choice for travellers.

READ MORE: The Impact of Destination Selection

Off-Peak Cruise

Timing is everything when it comes to saving money on a cruise. The best deals are often available during less popular seasons, such as January to early March or September to November, when demand is lower.

These periods, known as the "shoulder seasons," not only offer cheaper prices but also fewer crowds, letting you enjoy a more relaxed experience. For Mediterranean and Caribbean cruises, booking outside school holidays can save you a significant amount, as families are less likely to travel.

Additionally, you can often find special promotions or discounts during these times, including onboard credit or free upgrades, making it an even better value for travellers looking to stretch their budget.

Booking Strategies: Early Bird or Last Minute?

Once you’ve narrowed down your cruise options, the booking phase offers even more opportunities to maximise savings.

Early Booking

Booking 6-12+ months in advance not only helps you secure early bird deals but also gives you access to the best cabin options before they sell out. Early planners often enjoy additional perks such as free upgrades, drink packages, or onboard credit, making the overall experience more enjoyable and cost-effective. Plus, it gives you plenty of time to plan excursions and other travel details without the last-minute stress.

Last-Minute Deals

If you’re flexible with your dates and itinerary, waiting until a few weeks before departure can uncover heavily discounted fares as cruise lines work to fill remaining cabins. These deals often offer significant savings, especially on less popular routes or during off-peak seasons. However, keep in mind that options may be limited, and you might need to act quickly once you find a deal that suits you.

Don’t Overlook Travel Rewards

Use credit card points, airline miles, or loyalty programs to offset not just the cost of flights to the port but also the cruise price itself. Many credit cards offer travel rewards that can be redeemed for significant savings on your trip. Additionally, some cruise lines participate in partnership programs, allowing you to use your accumulated reward points directly toward your holiday expenses.

Bonus Tip

Sign up for email alerts and newsletters from cruise lines and booking platforms to stay informed about the latest deals, flash sales, and exclusive discounts. These updates often include limited-time offers, early booking bonuses, and last-minute price drops, helping you save money and plan your dream cruise more easily.

Packing Smart

Packing strategically can save you from unexpected onboard expenses.
Essentials Checklist

Reusable Water Bottle

Save money and reduce waste by skipping bottled water and refilling your reusable bottle at the convenient onboard water stations available throughout the journey.

Over-the-Counter Medications

Painkillers or seasickness remedies can cost a fortune onboard, as cruise lines often charge premium prices for basic medications. It’s always a good idea to pack your own first-aid essentials to avoid spending extra on items you might need during your trip.

Miniature Toiletries

Bring your own travel-sized toiletries to save money and avoid last-minute stress. Onboard shops often charge premium prices for basic items like toothpaste, shampoo, or deodorant, so packing your own ensures you're prepared without overpaying.

Pack Your Own Drinks

Most cruise companies allow passengers to bring their drinks on board, but policies can vary widely. Some cruises permit a limited amount of alcohol, such as a bottle of wine or champagne per person, while others may only allow non-alcoholic beverages to be brought on board.

It's always a good idea to check with your cruise provider in advance to confirm their rules, including the type, quantity, and packaging of drinks you can bring. Being informed will help you avoid surprises at embarkation and ensure a smooth start to your trip.

READ MORE: Ultimate Packing List for Your Cruise

Cruise Travel Insurance

Whilst not a physical item, it is always worth taking out cruise travel insurance before you depart. Cruises can be an incredible way to relax and explore multiple destinations, but unexpected issues can arise. Should you have a medical problem whilst at sea, onboard medical care can be extremely expensive, often costing far more than treatment on land.

Additionally, if your condition is serious and you require emergency evacuation or repatriation back to land, the costs can be astronomical and potentially life-changing. Investing in cruise travel insurance provides peace of mind, protecting you from the unexpected and allowing you to enjoy your trip with confidence.

READ MORE: Do You Need Cruise Travel Insurance?

Onboard Cost-Saving Measures

Keeping costs in check once onboard is key to maximising your budget.

Dining Savvy

Most cruises offer a variety of complimentary dining options, making it easy to enjoy delicious meals without spending extra. Stick to the included meals, such as those offered in the main dining halls and buffet areas, which often serve a wide range of cuisines to suit different tastes.

These areas frequently provide the same quality of food you’d find in premium or speciality restaurants that charge additional fees. By taking advantage of these complimentary options, you can enjoy everything from hearty breakfasts and casual lunches to multi-course dinners, all without breaking the bank.

Drinks Packages

Most cruises include complimentary drinks as part of your package, such as tea, coffee, juice, and soft drinks. However, many cruise lines also offer drink packages for an additional fee, giving you access to a selection of alcoholic beverages while on board.

At first glance, these packages may seem like a convenient option. But when you factor in the days, you'll spend exploring port stops, you might find they aren’t as cost-effective as they appear.

If you're travelling on a budget, consider purchasing alcoholic drinks individually. This approach can be a more economical way to enjoy your trip without overspending.

Enjoy Free Entertainment

From Westend-style shows and live music performances to pools, movie nights under the stars, and fully equipped fitness centres, cruise ships are packed with a wide range of free activities to keep you entertained.

Whether you're in the mood for comedy shows, trivia games, or dance classes, there's something for everyone. Be sure to review the daily itinerary provided, as it will help you plan your day around all the complimentary offerings without missing out on the highlights.

Pro Tip: Save some money by skipping the overpriced photography packages offered onboard. Instead, use your smartphone or camera to capture your favourite moments—whether it’s a breathtaking sunset at sea or a candid shot with family or friends during dinner.

READ MORE: Making the Most of Your Days at Sea

Wi-Fi Alternatives

Skip the ship’s expensive internet packages and stay connected at ports by using free or low-cost Wi-Fi hotspots. Many coffee shops, restaurants, and libraries near popular cruise ports offer complimentary Wi-Fi, making it easy to check emails, update social media, or catch up on news without breaking the bank. Some ports even have dedicated areas with free public Wi-Fi for travellers.

Pro Tip: Before boarding, take the time to download maps, entertainment, or reading material to your devices. This will save you from relying on expensive ship internet or scrambling to download essentials while onshore. A little preparation can go a long way in keeping your trip stress-free and budget-friendly!

Shore Excursions on a Budget

While docking at exotic ports can be thrilling, shore excursions can often drain your wallet.

DIY Excursions

Instead of booking excursions through your cruise line—often at elevated prices—consider exploring ports independently for a more affordable and flexible adventure. Start by researching local attractions, landmarks, and activities ahead of time to create your own itinerary.

Many popular destinations offer reliable public transport or affordable local tour operators that can take you to must-see spots for a fraction of the cost.

You can also look for walking tours, bike rentals, or even hop-on-hop-off buses to make the most of your visit. Not only will this save you money, but it also allows you to experience the destination more authentically and at your own pace.

Bargain Finds

For example, in Santorini, instead of paying for an expensive cruise-organised tour, you can take the cable car up to the town of Fira for just a few euros. This allows you to explore the charming streets, enjoy the stunning views, and even grab a bite at a local cafe without breaking the bank. Similarly, in the Bahamas, many serene beaches with crystal-clear waters and excellent snorkelling opportunities are free to access, making it easy to enjoy the natural beauty without spending a fortune.

Money-Saving Idea: Consider teaming up with fellow passengers to share the cost of transportation, such as taxis or private shuttles, to reach nearby landmarks or attractions. It's a great way to save money while meeting new people!

READ MORE: Guide to Solo Cruising