How to Save Money While Working on a Cruise Ship

Working on a cruise ship offers a unique opportunity to see the world, meet people from diverse backgrounds, and earn a steady income.

But as exciting as ship life can be, it’s easy to let your hard-earned money slip away if you’re not careful. Between onboard temptations and extravagant shore leave adventures, saving can sometimes feel like a challenge.

Having been there myself, I’ve learned a thing or two about managing money while enjoying the perks of cruise life. Here are some practical tips to help you save more without sacrificing the experiences that make this job so special.

1. Use Free Meals and Accommodation Wisely

One of the best perks of working on a cruise ship is the significant reduction in daily expenses. Most cruise lines provide free meals, accommodation, and utilities for their crew members.

This setup can help you save a considerable chunk of your earnings. When I was new, I often joined group outings to try new food. While it was fun and a great way to socialise, I quickly realised it could eat into my budget.

These days, I prefer eating onboard before shore leave, especially when I’m heading out solo. It’s an easy way to enjoy the perks of free food while keeping my spending in check.

Make the most of the complimentary options available to you. Treat yourself occasionally, but remember that the free meals onboard can significantly reduce your dining expenses.

2. Create a Shore Leave Budget

Shore leave is a highlight of ship life but can become a money drain if you’re not careful. To avoid overspending, set a clear budget for each port and stick to it.

Free or low-cost activities like exploring markets, hiking trails, or just soaking in the scenery can be just as fulfilling as pricier excursions. Before disembarking, research your destination to find affordable transportation and attractions.

Crew discounts are often available for local activities and services. Make sure to ask around and take advantage of these deals.

3. Pack Smart

Packing smart can save you money and stress in the long run. I might sound crazy, but I always pack enough essentials like toiletries, snacks, and clothes to last my entire contract.

My family buys these in bulk at lower prices, which means I avoid the need to purchase more expensive products in port cities. This approach has several benefits. There’s no need to go on shore leave specifically for grocery shopping, saving both travel expenses and time.

Plus, I avoid the hassle of carrying back half-used products or leaving them behind. If I use up my supplies during my contract, I enjoy extra space or a lighter suitcase on my return journey.

Opt for versatile clothing that can be mixed and matched to minimise the need for additional purchases. A little planning before your contract begins can go a long way in reducing unexpected expenses.

4. Automate Your Savings

A consistent savings habit is key to building financial security, and automation makes it easier. If your cruise line allows direct deposits, set up a system where a portion of your paycheck automatically goes into a savings account.

Alternatively, transfer a set amount regularly to a high-yield savings account or investment fund. Automating the process reduces the temptation to spend and ensures steady progress toward your financial goals.

5. Find Free Wi-Fi and Affordable Connectivity

Staying connected with loved ones is important, but communication costs can quickly add up. Many port terminals have free Wi-Fi, which is a convenient way to save on data costs.

In the past, I used to buy local SIM cards for longer port stays, but it has become more difficult to purchase them as a foreigner. Now, I rely on eSIMs for their convenience. A limited monthly data plan works perfectly for me since I mainly use connectivity for maps and messaging while exploring.

While eSIMs can be slightly more expensive, I make it work by opting for lower data bundles and saving downloads for Wi-Fi spots.

6. Skip Costly Souvenirs

Shopping during shore leave can be enticing, especially when you’re traveling overseas for the first time. I used to buy souvenirs like fast fashion items from H&M or Cotton On abroad, as well as overpriced fridge magnets from airport shops.

It took me a few years to realise that I didn’t want to focus on material possessions. Now, I prioritise experiences over items. Capturing memories through photos or journaling is just as meaningful without the added expense.

Before making a purchase, ask yourself if it’s truly worth it or just a fleeting desire.

7. Limit Alcohol Consumption

Drinking onboard or during shore leave can be a major expense if not kept in check. Every day, I see many crew members drinking cans and glasses of alcohol in the crew bar.

While it’s fine to enjoy yourself, drinking excessively can quickly drain your pay cheque. Consider limiting yourself to one or two drinks a week, tops. If you’d rather allocate that money for shore leave activities, it’s a worthwhile trade-off.

Remember, overdoing it not only impacts your savings but could also lead to consequences like termination if it affects your performance or behaviour.

8. Avoid Impulse Buys Onboard

Onboard retail and souvenir shops are conveniently located, but their prices can eat into your pay cheque quickly. Whether it’s a specialty coffee or branded merchandise, these small expenses can add up faster than you’d expect.

Crew discounts are often offered for items like perfumeries, jewellery, accessories, bags, and apparel. Ports of call also sell specialty local snacks and souvenirs. If these are important to you, budget for them in advance to avoid overspending.

Personally, I’m not interested in these items, so I steer clear and save more as a result. Set boundaries for onboard spending by creating a small budget for treats or indulgences. This way, you can still enjoy the occasional purchase without it impacting your savings goals.

9. Track and Review Your Spending

Keeping tabs on your expenses is essential for staying on top of your budget. I recommend using an offline tool like an Excel template to monitor your spending habits.

It’s simple, accessible, and doesn’t rely on internet connectivity. By regularly reviewing your expenses, you can identify areas to cut back and celebrate progress toward your financial goals.

Staying consistent with tracking helps keep you motivated and accountable.

10. Set Realistic Financial Goals

Saving becomes more effective when you’re working toward something specific. Whether it’s paying off debt, building an emergency fund, or saving for a major purchase, having a clear goal helps keep you focused.

Break your financial goals into smaller, manageable milestones. For example, aim to save a set amount by the end of each contract. Each milestone reached is a reason to celebrate and serves as motivation to keep going.

Finding balance between enjoying your time and preparing for financial security

Saving money while working on a cruise ship doesn’t mean you have to miss out on the experiences that make this job so rewarding. It’s all about finding a balance between enjoying the moment and planning for your future.

With a little discipline and thoughtful planning, you can return from your contracts not only with incredible memories but also with meaningful savings to show for it.

Every small step counts – and those steps can lead to big achievements over time.