Bank like a financial pro with the Alliant mobile app. Make payments, deposit checks, manage cards and so much more.
Renovate your kitchen, pay off high-interest debt, or have access to emergency funds when you need it with an Alliant Home Equity Line of Credit.
Browse new and used vehicle inventory, and qualify for a rate discount when you buy!81
Separate each of your savings goals into an Alliant Supplemental Savings Account so you can visualize your progress.
Discover how an award-winning banking experience could be your next little win.
Logo courtesy of CNBC
By Katie Pins
You want to get the most for your money on a cruise. Vacations shouldn’t stress you out. They should be the perfect combination of relaxation and exploration. Cruises offer an opportunity for your family to enjoy multiple places in style. It is a known fact that cruises can be great for your wallet, but expenses can accumulate. Here are a few ways to get the most out of a cruise vacation.
Cruise lines want you to book early and will give you money for doing so. They will let you book 18 months in advance for cheap. Since you’re looking ahead of time, you’ll have time to compare dates and prices. After you do some research, you will find that you have a lot of options by booking in advance. When you purchase a vacation early, you won’t be forced into a windowless stateroom. You can pick the ideal luxury experience you want.
This vacation is a chance to get some cash back. Use a rewards card that will give you a high percent for this purchase. You’ll likely go abroad for this trip as well, so having a credit card with no foreign transaction fees is important. If you don’t have a card like this, consider opening one. Plus, you’ll often get better deals the first year you have a card. Alliant’s Signature card rewards you with 3 percent cash back on all purchases for the first year you have the card.
Your flight might be cheaper if you extend your vacation a day or two. Airlines know when cruises arrive and depart, so they sometimes up the price of nearby flights. If you extend your trip, you’ll pay less for your flight and you’ll have a day of enjoying your port of call. Explore the city or use it as another day to unwind. My family used this tip when we took a cruise out of Barcelona. We actually saved money and got to know another beautiful city.
Once you’re on board, there are endless opportunities to spend a mountain of cash. To avoid overspending on these add-ons, it’s good to know what kind of experience you want before you start your cruise.
Book an appointment in the middle of the day when at a port. Spa services are less expensive when other passengers are on excursions. You also won’t feel rushed in the morning or evening by getting a massage in the afternoon.
It is important to do the math when considering a drink package. When planning my cruise, I knew I would only have an occasional glass of wine at dinner. It didn’t make financial sense for me to get a drink package. For some people, it’s a bargain. For example, if your kids drink lots of pop, you should probably consider the drink package. Ask for prices and compare your potential drinks to the package before deciding.
Internet access is costly on cruises. We’re all looking for a chance to unplug, so embrace it. Your family can sit down and enjoy a meal together without their devices. That Instagram post can wait until you get off the boat. Enjoy the moment with your family and save some cash.
The listed excursion price is just a jumping off point for negotiation. If you book excursions before the trip, call the cruise line and see what you can negotiate. If you’re already on the boat, negotiate in person. You can also book your own excursions and save some dough. If you don’t find an excursion the whole family will enjoy, stay on the boat. This is your vacation, make it your own!
A cruise is a great way to unwind or conveniently explore the world. Knowing you got the best deal makes it even more enjoyable. I hope these tips help you plan your family vacation. Happy sailing!
Katie Pins is a marketer fascinated with finance. Whether the topic is about the psychology of money, investment strategies or simply how to spend better, Katie enjoys diving in and sharing all the details with family, friends and Money Mentor readers. Money management needs to be simplified and Katie hopes she accomplishes that for our readers. The saying goes, "Knowledge is Power", and she hopes you feel empowered after reading Money Mentor.
Sign up for our monthly newsletter to help you stay at the top of your financial game.
Welcome! You'll now have financial tips sent to you directly each month.
You are leaving Alliant’s website to enter a website hosted by an organization separate from Alliant Credit Union. The products and services on this website are being offered through LPL Financial or its affiliates, which are separate entities from, and not affiliates of, Alliant Credit Union.The privacy and security policies of the site may differ from those of Alliant Credit Union.
You are leaving an Alliant Credit Union website and are about to enter a website operated by a third-party, independent from Alliant Credit Union. Alliant Credit Union does not manage the operation or content of the website you are about to enter. Alliant Credit Union is not responsible for the content and does not provide any products or services at this third-party website. The privacy and security policies of the site may differ from those of Alliant Credit Union.