assetbest 
We took a Disney cruise and another Caribbean cruise and quickly learned that “all‑inclusive” doesn’t really apply.
On paper cruising looks perfect — one price covers everything. After paying, I assumed the expenses would stop. I was wrong. The cabin is included, but ours was a tiny 5-by-8-foot space — not somewhere you’d want to hang out. Food is included, but you’re sharing dining rooms with thousands of other guests. Small extras add up: our daughter wanted soda, so we paid about $10 for a refillable cup.
Shore time can be the biggest drain. Day trips, meals, and entertainment off the ship often run into the hundreds of dollars. Skip them and you miss the chance to see the islands; join in and your budget can balloon quickly. Taxes and tips are usually extra too.
I should have done more homework. A good rule of thumb is to budget roughly 50% more than the cruise fare to cover excursions, drinks, tips, and incidental charges.
If you go in with your eyes open, a cruise can be a great vacation. Just learn what’s included and plan for the extras before you book.
