{"id":362360,"date":"2026-08-01T20:07:28","date_gmt":"2026-08-01T20:07:28","guid":{"rendered":"https:\/\/peraltafinancing.com\/business\/finance\/4-ways-to-save-for-a-cruise-trip-without-earning-more-money\/"},"modified":"2026-08-01T20:07:28","modified_gmt":"2026-08-01T20:07:28","slug":"4-ways-to-save-for-a-cruise-trip-without-earning-more-money","status":"publish","type":"post","link":"https:\/\/fivemor.com\/?p=362360","title":{"rendered":"4 Ways to Save for a Cruise Trip Without Earning More Money"},"content":{"rendered":"<p> <br \/>\n<\/p>\n<div>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"alignright size-full wp-image-26295\" src=\"https:\/\/moneyning.com\/wp-content\/uploads\/2014\/10\/photo-1532660294406-5ea1fb40db92.jpeg\" alt=\"save money on a cruise\" width=\"1350\" height=\"900\" srcset=\"https:\/\/moneyning.com\/wp-content\/uploads\/2014\/10\/photo-1532660294406-5ea1fb40db92.jpeg 1350w, https:\/\/moneyning.com\/wp-content\/uploads\/2014\/10\/photo-1532660294406-5ea1fb40db92-300x200.jpeg 300w, https:\/\/moneyning.com\/wp-content\/uploads\/2014\/10\/photo-1532660294406-5ea1fb40db92-768x512.jpeg 768w, https:\/\/moneyning.com\/wp-content\/uploads\/2014\/10\/photo-1532660294406-5ea1fb40db92-1024x683.jpeg 1024w\" sizes=\"(max-width: 1350px) 100vw, 1350px\" \/><\/p>\n<p>A few months ago, a group of my husband\u2019s online gaming friends mentioned they\u2019re planning to take an Alaskan cruise next spring or fall, and invited us to join. While we\u2019ve mentioned the idea of taking a cruise some time in the future, this conversation put the decision, place, and time right at our doorstep.<\/p>\n<p>After some thought, we decided\u2026\u00a0why not? \u00a0We have almost a year to save for it and plan the details, and if we don\u2019t go now\u2014while we\u2019re still without children\u2014it might be a long time coming.<\/p>\n<p>But then came the fun part: <em>how are we going to finance it?<\/em> Since we don\u2019t own credit cards, and don\u2019t want to finance anything, we plan to pay for it all out-of-pocket.<\/p>\n<p>We don\u2019t immediately have the funds for this kind of expenditure, especially considering the required <a href=\"https:\/\/moneyning.com\/money-tips\/dont-get-taken-for-a-ride-with-full-price-train-tickets\/\">round trip plane tickets<\/a> and likely\u00a0hotel costs, too. But we do have a solid history of being able to save for large expenses in the past, so I know we can do it again.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignright wp-image-26296\" src=\"https:\/\/moneyning.com\/wp-content\/uploads\/2014\/10\/cruise-saving.jpg\" alt=\"save money on a cruise\" width=\"350\" height=\"820\" srcset=\"https:\/\/moneyning.com\/wp-content\/uploads\/2014\/10\/cruise-saving.jpg 735w, https:\/\/moneyning.com\/wp-content\/uploads\/2014\/10\/cruise-saving-128x300.jpg 128w, https:\/\/moneyning.com\/wp-content\/uploads\/2014\/10\/cruise-saving-437x1024.jpg 437w\" sizes=\"auto, (max-width: 350px) 100vw, 350px\" \/><img loading=\"lazy\" decoding=\"async\" class=\"lazyload alignright wp-image-26296\" src=\"https:\/\/moneyning.com\/wp-content\/uploads\/2014\/10\/cruise-saving.jpg\" alt=\"save money on a cruise\" width=\"350\" height=\"820\" srcset=\"https:\/\/moneyning.com\/wp-content\/uploads\/2014\/10\/cruise-saving.jpg 735w, https:\/\/moneyning.com\/wp-content\/uploads\/2014\/10\/cruise-saving-128x300.jpg 128w, https:\/\/moneyning.com\/wp-content\/uploads\/2014\/10\/cruise-saving-437x1024.jpg 437w\" data-sizes=\"(max-width: 350px) 100vw, 350px\" \/>If you\u2019re thinking of going on a cruise, here are a few of the strategies I\u2019ve come up with for saving and planning for our cruise.<\/p>\n<h3>1.\u00a0Create a New Line in the Budget<\/h3>\n<p>With our Goodbudget App, we have the ability to easily <a href=\"https:\/\/moneyning.com\/budgeting\/how-i-trimmed-500-from-my-monthly-budget-in-4-easy-steps\/\">adjust our budget categories<\/a> and make room for a new cruise savings line. I haven\u2019t decided how much money to set aside, but this will probably come together once the plans become more final.<\/p>\n<p>We plan to save more money than our final dollar amount, to leave room for miscellaneous expenses. Once we start \u201cloading\u201d our virtual envelope with funds, it will be encouraging\u00a0to see it grow each month and build toward our cruise savings goal. <strong>It\u2019s always so much more rewarding, and fun, to save for a particular goal<\/strong>, versus just saving money in general (that\u2019s not nearly as exciting).<\/p>\n<p>Whether you have a budget app, an online tool, or a paper-and-pencil version, see what you can do to create a\u00a0separate savings category for your cruise trip. But be careful, <em>you don\u2019t want to\u00a0take away from your usual savings allocations.\u00a0<\/em> You never know when you\u2019ll need to use savings for other needs, so don\u2019t short-change other goals to fund your upcoming cruise.<\/p>\n<h3>2. Re-Allocate Your \u201cFun Money\u201d Funds<\/h3>\n<p>One of our\u00a0budget categories is labeled, \u201cfun money\u201d. Basically, this is a fund we use for non-essential purchases, like entertainment, going out with friends and maybe even seeing a concert.<\/p>\n<p>This line in the budget isn\u2019t essential to our monthly spending, so we plan on shifting this\u00a0fund to funnel more money into the cruise savings category. I\u2019m sure we could get by a few months without purchasing unnecessary items, in order to reach our goal of going on a cruise.<\/p>\n<h3>3.\u00a0Look for Unlikely Ways to Save<\/h3>\n<p>While you\u2019re creating a new line in your budget, and re-allocating funds from other money sources, look for unusual opportunities to <a href=\"https:\/\/moneyning.com\/money-tips\/6-ways-to-trick-yourself-into-saving-money\/\">save more money<\/a>. Get creative and see how you can still plan the trip of your dreams without spending additional money out-of-pocket.<\/p>\n<p>For instance; one way we plan to\u00a0save on hotel costs is <a href=\"https:\/\/moneyning.com\/review\/use-a-travel-rewards-credit-card-to-get-the-most-from-your-vacation\/\">by cashing in our travel rewards points<\/a> my husband has earned during his\u00a0travels for work, instead of using them on free hotel stays for other events. Even this little bit could save us a few hundred dollars!<\/p>\n<h3>4. Set Out\u00a0a Cruise Savings Jar<\/h3>\n<p>While our savings account will work just fine as a short-term, and safe place to build our cruise fund, making a physical savings jar is a more visible way to keep us motivated. It\u2019s a daily reminder of why we\u2019re working so hard to work together towards a common goal.<\/p>\n<p>From extra cash to pocket change, it all counts, so <strong>don\u2019t think that any amount is too small to save\u00a0in your cruise\u00a0jar<\/strong>. Having the jar visible to family and friends will spark conversation and reinforce our savings goal. Who knows; they might even want to pitch in their extra change towards your goal \u2014 like an old-fashioned version of crowdfunding.<\/p>\n<p><em><strong>These are just a few ideas we\u2019ll be using to save for our cruise trip. What\u2019s another\u00a0savings\u00a0tip\u00a0we can use to reach our goal faster?\u00a0<\/strong><\/em><\/p>\n<p class=\"post_tags\">Tagged as: <a href=\"https:\/\/moneyning.com\/tag\/budget-travel\/\" rel=\"tag nofollow\">Budget Travel<\/a>, <a href=\"https:\/\/moneyning.com\/tag\/budgeting\/\" rel=\"tag nofollow\">Budgeting<\/a>, <a href=\"https:\/\/moneyning.com\/tag\/money-tips\/\" rel=\"tag nofollow\">Money Tips<\/a><\/p>\n<\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>A few months ago, a group of my husband\u2019s online gaming friends mentioned they\u2019re planning to take an Alaskan cruise next spring or fall, and invited us to join. While we\u2019ve mentioned the idea of taking a cruise some time in the future, this conversation put the decision, place, and time right at our doorstep. [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":362361,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[93],"tags":[2102,11608,832,7182,8087,8023],"dealstore":[],"offerexpiration":[],"class_list":["post-362360","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance","tag-cruise","tag-earning","tag-money","tag-save","tag-trip","tag-ways"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>4 Ways to Save for a Cruise Trip Without Earning More Money - Som2ny Network<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/fivemor.com\/?p=362360\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"4 Ways to Save for a Cruise Trip Without Earning More Money - Som2ny Network\" \/>\n<meta property=\"og:description\" content=\"A few months ago, a group of my husband\u2019s online gaming friends mentioned they\u2019re planning to take an Alaskan cruise next spring or fall, and invited us to join. 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