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I cruise quite a bit, usually 2 or 3 times a year and I also watch closely my budget and what I spend. So here's my list of what charges to expect and how to control your spending.
Regardless of the cruise line the price of your cruise includes your cabin, all meals including breakfast, lunch dinner, snacks and free room service, free admissions to the disco, all shows and entertainment, and free kids programs, use of all facilities on ship like the pools, hot tubs, gym, and recreation activities. If you park at the cruise port lot there is a charge and its usually very high, like $15 to $20 per day depending upon which cruise port. The other things that you will have to pay for are:
GRATUITIES: They will amount to about $10 to $11.50 per person in your cabin per day, depending upon the cruise line. When you check in at the pier they will set up an on-board charge account for you to cover any and everything you may buy on ship. Everything on ship except the casino is cashless; everything you buy goes on your account.
ALCOHOLIC DRINKS AND SOFT DRINKS: Coffee, tea (hot and cold), milk, juice, and lemonade and punch will be provided FREE but you must pay for soft drinks and alcoholic beverages and they will add a 15 percent gratuity to each alcoholic drink and soft drink order. Drinks of cruise ships are generally in the range of $7 to $9 including the 15 percent gratuity that is included in each tab. Beer and wine are slightly less, maybe $6 to $7. The cruise line does sell a soft drink card that allow you unlimited soft drinks for the duration of your cruise. These you must buy the first day of the cruise and they generally cost about $6.00 a day for adults; $4.00 a day for kids. The cost of the soft drink card also goes on your on-board tab. But if you want you can take on board with you a six pack of soft drinks and/or bottle water to help cut your costs; take them in your carry-on bags. Also, if you buy drinks ask for them in a plain glass rather than the souvenir glasses because they cost about $1.50 more in the souvenir glass. Also, buy the daily drink special which is generally about $1.00 less than other drinks.
PHOTOGRAPHS: Cruise ship employees will take plenty of photographs of you all over the ship, in the dining room, and as you exit the ship in ports. These will cost a lot, like $15 to $25 for most and the cost of them goes on your on-board tab. Take your own photos and ask other passengers to take photos of you rather than buying the ship's photos. Other passengers will always help you with this if you ask; or ask the wait staff also.
TOURS/EXCURSIONS: You are not required to book any tours and you can get off and on in the ports as much as you want. But the cruise line will offer a lot of tours and these are NOT included and are expensive.
SOUVENIRS: Anything you buy on ship from a gift shop or duty free shop goes on your on board account. Things that you buy on shore you pay cash or credit card for.
CASINO: If you plan to gamble on ship you will need cash for that.
OTHER: All ships have what they call "specialty" restaurants where there IS a gratuity/service charge of between about $5. and $25. All other food on board is free and its not really necessary to budget for food; you cannot eat all of the FREE FOOD that will be available so skip the specialty places.
SPA SERVICES: If you want/need to have your hair done, get a massage or wrap, or any services from the spa, you will have to pay for them. Spa fees start at about $70 to $80 and they go on your on-board tab if you use the spa services. You can use the gym free but the spa stuff cost big bucks.
INTERNET SVCS: Ships now have internet cafe and some have WiFi but the there is a fee for internet access and it is very expensive (like about $50 an hour). I always recommend that you skip the high priced internet on ship and wait for port stops where you can usually find an internet cafe where the charges are about $5. to $7 an hour. Just ask the cabin steward and/or your wait staff where the internet is at the port. They know because they use them when they can get off the ship.
ROOM SERVICE/MINI-BAR: You cabin will likely have a minibar with soft drinks and munchies; you have to pay for anything you take out of the mini-bar. But the room service (24/7) is always free.
These are the charges that you may have but the only one of these that is pretty much mandatory is the gratuities. All of the others are optional and completely under your control.
Source(s):
experienced cruiser