read52 Posted February 3, 2010 #1 Share Posted February 3, 2010 We will be getting a tax return that would allow us to pay off our cruise in July. I would like to pay it now because my dd is getting married at the beginning of July and I don't want to worry about the cruise. I am crazy? Link to comment Share on other sites More sharing options...
Akasharogue Posted February 3, 2010 #2 Share Posted February 3, 2010 We will be getting a tax return that would allow us to pay off our cruise in July. I would like to pay it now because my dd is getting married at the beginning of July and I don't want to worry about the cruise. I am crazy? Go for it! There is certainly no penalty for paying off your cruise early. I have always tried to do this. Congrats on your daughter's impending wedding! Link to comment Share on other sites More sharing options...
CruiserKid Posted February 3, 2010 #3 Share Posted February 3, 2010 Yes, I've paid in advance. There was no bonus from Carnival. However, it was a bonus for me knowing that I had paid in full and didn't have to worry about the cruise anymore. In addition, I place $300 "under a matress" for the cruise so I would have some spending money when it was time to cruise without worrying about having enough cash. I agree with Akasharogue, go for it. Get it out of the way while you have the cash. Link to comment Share on other sites More sharing options...
BBigfoot613 Posted February 3, 2010 #4 Share Posted February 3, 2010 I'm with them. Pay it off and forget about it. It's GREAT knowing that your cruise is paid for ahead of time and there's no worry about it. I'm sure there'll be someone that says put the money in the bank and make a little bit on it and pay when needed. To me the knowing it's paid for and I can't touch that money even if there's an emergancy is priceless. We paid for our May cruise a little at a time and had a small bill that I paid off last month. With the money "saved" doing this I was able to take some of my income tax and grab a good deal on a pack and go in march. My reward for paying a little at a time instead of banking it is TWO cruises this year instead of one.... Link to comment Share on other sites More sharing options...
uppitycats Posted February 3, 2010 #5 Share Posted February 3, 2010 There's no penalty for paying it off early. I always do, whenever possible. I don't like having financial obligations hanging over my head. Link to comment Share on other sites More sharing options...
jayscore Posted February 3, 2010 #6 Share Posted February 3, 2010 Ditto all the above!;) Link to comment Share on other sites More sharing options...
Tammylyne Posted February 3, 2010 #7 Share Posted February 3, 2010 I just paid my cruise off in full last week too, from a refund check ;) I have 18 weeks or about 125 days to go until I sail LOL Link to comment Share on other sites More sharing options...
cawagner Posted February 3, 2010 #8 Share Posted February 3, 2010 I say go for it! I will be doing the exact same thing when I get my "refund" which is supposed to be in my account on friday..yea! :cool: Will have cruise paid off when we book and xtra spending cash set aside even :) Link to comment Share on other sites More sharing options...
Perfect Stranger Posted February 3, 2010 #9 Share Posted February 3, 2010 They should give a small discount for paying it off early. Link to comment Share on other sites More sharing options...
firefly333 Posted February 3, 2010 #10 Share Posted February 3, 2010 I paid one off early and wished I hadnt. It affected me getting money off final payment I should have gotten. Apparantly Carnival paid the commission to the TA early and they didnt want to pay it back and refigure everything. Link to comment Share on other sites More sharing options...
keishashadow Posted February 3, 2010 #11 Share Posted February 3, 2010 don't forget to add TI if necessary before final payment date Link to comment Share on other sites More sharing options...
dprg644 Posted February 3, 2010 #12 Share Posted February 3, 2010 I always try to pay our cruise(s) at least a couple of months early. One less thing to worry about and that way it gives us a few extra months to save up extra cash for the trip. If you can pay it off. Link to comment Share on other sites More sharing options...
kf657 Posted February 3, 2010 #13 Share Posted February 3, 2010 I am also paid off for July cruise early....Got an inheritance for mother-n-laws estate....She was miserable to me for the whole time we have been married-since I stole her son (32) years ago...So she is treating us to a nice family vacation....!!! Link to comment Share on other sites More sharing options...
keishashadow Posted February 3, 2010 #14 Share Posted February 3, 2010 I am also paid off for July cruise early....Got an inheritance for mother-n-laws estate....She was miserable to me for the whole time we have been married-since I stole her son (32) years ago...So she is treating us to a nice family vacation....!!! make sure to offer up a toast to her during ur cruise;) enjoy, sounds like this trip is well-deserved Link to comment Share on other sites More sharing options...
DqALEX Posted February 3, 2010 #15 Share Posted February 3, 2010 I try to pay them off by Aug. for New Years. By the time I go it than feels like a free cruise Link to comment Share on other sites More sharing options...
pe4all Posted February 3, 2010 #16 Share Posted February 3, 2010 We have gotten into the habit of paying off some of our cruise each month, and usually have the whole cruise paid off 4-5 months before sailing. DH hates getting "hit" with a big bill when we come back from vacation. Now, with early saver, even if we pay it off months and months before, we will still get obc for any price drop. Link to comment Share on other sites More sharing options...
patseacruiser Posted February 3, 2010 #17 Share Posted February 3, 2010 I will pay a large percentage of it off early just because when you're looking at a $4,000 bill all at once I'm not fond of sticker shock so as I have an extra $100 or so I call and pay it off so it's not so hard when final payment comes. Link to comment Share on other sites More sharing options...
keishashadow Posted February 3, 2010 #18 Share Posted February 3, 2010 I will pay a large percentage of it off early just because when you're looking at a $4,000 bill all at once I'm not fond of sticker shock so as I have an extra $100 or so I call and pay it off so it's not so hard when final payment comes. if you would have to cancel, i've wondered how the refund would be processed if u use multiple sources of payment...i.e., different from the original CC used:confused:. do you know? I asked PVP & he said it would up to accounting dept to determine. Link to comment Share on other sites More sharing options...
Theresa522 Posted February 3, 2010 #19 Share Posted February 3, 2010 I am also paid off for July cruise early....Got an inheritance for mother-n-laws estate....She was miserable to me for the whole time we have been married-since I stole her son (32) years ago...So she is treating us to a nice family vacation....!!! :eek: LOL :D ;) Link to comment Share on other sites More sharing options...
onthehighseas606 Posted February 3, 2010 #20 Share Posted February 3, 2010 We're doing our taxes this weekend, and if we get a nice refund, we'll be booking another cruise and will pay cash up front. Otherwise, we'll have to sock money away each month and then book when we have enough together. We too hate having debt hanging over our head--pay it off! Link to comment Share on other sites More sharing options...
MAS954 Posted February 3, 2010 #21 Share Posted February 3, 2010 We pay in full at the time we make the reservation. Nothing financial hanging over our heads fells good. Link to comment Share on other sites More sharing options...
Ken076 Posted February 3, 2010 #22 Share Posted February 3, 2010 We will be getting a tax return that would allow us to pay off our cruise in July. I would like to pay it now because my dd is getting married at the beginning of July and I don't want to worry about the cruise. I am crazy? If you should have to cancel before Final Payment Deadline, Carnival will have all your money, which you'll be out until the refund arrives - I personally wouldn't want to be in that position and would wait to make payment when due. ken Link to comment Share on other sites More sharing options...
T2C Posted February 3, 2010 #23 Share Posted February 3, 2010 I paid one off early and wished I hadnt. It affected me getting money off final payment I should have gotten. Apparantly Carnival paid the commission to the TA early and they didnt want to pay it back and refigure everything. Wow, that doesn't sound right. I've paid mine off early and still gotten price reductions and my brother and a friend who are TA's say they never get paid till after the cruise. The lines want to make sure you don't cancel and why would they put themselves in a position where they have to go and get their money back from a TA, doesn't sound like the cruise lines who want to keep the money as long as they can. Link to comment Share on other sites More sharing options...
All4fun&fun4all Posted February 3, 2010 #24 Share Posted February 3, 2010 We will be getting a tax return that would allow us to pay off our cruise in July. I would like to pay it now because my dd is getting married at the beginning of July and I don't want to worry about the cruise. I am crazy? I am cruising on my tax return also. I have already paid 3/4 of it and probably will pay all but $2.00 of it so that if the price drops I can still get the lower price before final payment. :) Then, I am going to start putting about $20.00 a paycheck on my OBC. No surprises on this cruise at the end...and I have all the fine folks at Cruise Critic to thank! ;) Link to comment Share on other sites More sharing options...
okgirl Posted February 3, 2010 #25 Share Posted February 3, 2010 I pay on and pay off my cruises as soon as I have a little extra cash from any source. If I come into a big chunk (say from a garage sale or ebay sale) I'll take that whole amount and payoff what ever is out there or book something else if everything is paid for. Link to comment Share on other sites More sharing options...
Recommended Posts
Archived
This topic is now archived and is closed to further replies.