Money can be an issue. We are fortunate that my husband spent his whole life saving up and planning for this part of his life so we are okay.
We are on a budget, being on social security and military retirement but we are still able to do pretty much what we want, we just have to be careful.
On our upcoming cruise we will not be spending hundreds every day on ships excursions on shore, we will venture out on our own, use public transportation, get with another couple and share the cost for a cab.
In one port (Malaysia) it was $175.00 I think, per person for the ships excursion into the city to see the sites. No way .... Just, no way. And the bus ride was an hour a 45 minutes each way. That is 3 1/2 hours on a bus.
We met another couple and paid $6.00 per couple to split a cab to the train station. Then for $7.00 each we got a round trip ticket to the city and it got there in well under an hour. So while the ships people were on a bus for an hour and an hour and 45 minutes, we were in the city having a great time.
We bought our lunch - so did they. We paid $3.00 for all-day monorail pass and went everywhere and saw all the same sites.
We had our train ticket back so we paid $6.00 for the two of us for our share of the cab fee back to the bus.
At the end of the day they paid $175.00 each - $350.00 per couple and spent 3 1/2 hours on a bus. Plus lunch.
We spent $15.00 each - $30.00 for Bill and me together for cab, train, monorail and back on the train and then cab to the ship, plus lunch.
We ate lunch together for under $15.00 so it was a $45.00 day for us.
Plus we spent about an hour and 15 minutes counting both ways into Kuala Lumpur. the spent 3 1/2 hours.
In Egypt we did not want to pay $275.00 for the excursion to the Valley of the Kings. We got into port and found out that you could not leave the port by the ship, couldn't go more than about 200' from the ship unless you were on a ship excursion.
Egyptian armed guards were there with heavy weapons to keep us next to the ship if we weren't on an excursion. We were not free to walk around at all. We didn't expect this, as in Alexandria Egypt we were able to walk around the city.
Anyway, we didn't have seats reserved and we didn't want to stay on the ship all day - we wanted to see Valley of the Kings and King Tut's tomb!
But not at $275.00 per person!
Bill walked to each of the tour buses (there were 19 of them I think) and asked each driver if they had seats. One did - said he had two extra seats. He let us have them - two for $175.00! That was under $82.00 each! He said the only thing was, we did get a Coke and bag of chips on the bus. But we got the tickets to see the tombs and the big lunch with everyone else that was paid as part of the tour.
In Ushia people paid $99.00 each for the end of the world train tour. At the dock we went to the train station and picked it up for $50.00 each. Same train - same ride, in fact the ones who paid $99.00 each were on our tour.
One of my favorites was the whale watching trip in Cabo San Lucas. We really wanted to go whale watching! It was over a hundred dollars per person.
Another couple wanted to go to so we went to the boats where they were loading the cruise ship people and Bill and the other man we were with pulled the boat guy over and asked how much. It was over a hundred dollars each.
The other wife said, We don't have that much, we can onlhy afford $28.00 each. The guy said, okay, I have plenty of seats and we went for $28.00 each!
So we watch pennies very carefully but I don't feel we sacrifice anything. We are comfortable, but we have to spend wisely and be careful.