I can tell you how my travel agent paid for her last cruise. She stole the money and credit cards from her customers and canceled their travel plans and put the refunds in her pocket. She's being prosecuted as we speak. I hope HER cruise memories hold her in good stead for a long time to come. I on the other hand pick up cans and recycle, clip coupons, send in refunds, eat mostly leftovers or things that can be made cheaply, and we drive a car that is 22 years old and has 200,000 miles. We purchase our clothes and household goods from clearance racks and thrift shoppes. That's how we save for our cruise.