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Cruise 2016 Update

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Remember when I first told you all about my plan to set sail in February 2016 on a cruise with my family in celebration of my Mom’s 60th birthday? Well I’ve got some updates….

Initially, the plan was for this cruise to be a 100% surprise for my Mom. The entire family was in on it and the loose plan was for my stepdad to tell my Mom that he was going to take her on a trip (she would surely assume they were going to San Antonio, as they regularly do), and then drive down to Galveston where the cruise ships dock. The rest of us would surprise her there on the dock. HAPPY BIRTHDAY, MOM!!!!!!

Well, the more planning we were doing, the less likely it seemed that this would stay a surprise. There were so many logistics involved (e.g., making sure she had enough time off work, making sure she packed appropriate clothing and swimwear, etc.) AND some of you commenters planted little seeds of doubt in my mind. You mentioned that maybe she’d prefer her dream cruise vacation to Alaska ALONE with my stepdad. And then I had a conversation with my Mom where she mentioned that since she’s gotten older she much prefers the MOUNTAINS over the beach (since when, Mom?!?!) The point is…I started second-guessing myself.

So after a LOT of phone calls with my sister, internal wrestling, and careful thought and consideration we came up with a plan. My sister was having my Mom and Stepdad over on Mother’s Day and made a little craft to present my Mom. First, the card:

Your 59th was pretty crappy.

All we want is for YOU to be happy!

So your 60th is all about you.

And now its your turn to choose.

Then my sister presented her with three envelopes. Inside each envelope was a different vacation: a ship to represent the family cruise, a mountain to represent a mountain-oriented family vacation, and a picture of Alaskan wildlife to represent the Alaska vacation.

My sister explained what each picture meant and what the vacation would entail (we did a lot of research on each of the trips so sister presented all the information of where we would stay, what we could/would do, ports of call for the cruises, etc. etc. etc.). My mom was shocked and surprised and didn’t know what to think. She said she needed some time to think it over and let us know by that same afternoon that her choice was the same one we’d originally made: Family Cruise 2016!!! So it’s on.

Skipping forward….

One of the BIG things about this vacation, to me, is that it be paid with 100% cash. I am very excited and working very hard to make it a complete debt-free vacation.

Another thing is that this gives me a really concrete goal: have all consumer debt paid in full by the time we set sail! I’ll still have student loans to contend with, but it will feel so satisfying to be able to make the trip down to Galveston in a newly paid-off car!!!

And a final update – the cruise is booked! There was a $1,000 deposit, so I wanted to wait until we had that saved up in cash. Unfortunately, I didn’t realize that cruises can book up so far in advance. We were originally going to cruise in February 2016 (I thought 9 months in advance was plenty of time to book), but we’ve had to push it back to April 2016 to get the accommodations we wanted (two absolute must-haves were 1. adjoining rooms for sister & I so we could let kids nap in one room and have adults in the other, and 2. A 6:00pm dining time, since the kids are already asleep before the 8:30pm dining time and they need to EAT before bed!) Apparently, those two things go fast so we pushed back the sail date a couple months to make these things happen.

All in all, I’m super excited. I’d wanted this to be a big surprise for my Mom, but I think it’s better this way since she’s now been part of the planning process, has been able to voice her opinion of what matters to her (e.g., she wants an upgraded larger room), and has time to adequately prepare (basically diets all around for every one of us, lol).

So there’s the update.

We’re now officially booked (paying all cash, thankyouverymuch), and I’ve now got extreme motivation to be consumer debt-free by April 2016.

I know some of you were interested in the exact costs associated with this vacation. To give some additional information, we will be sailing on Royal Caribbean cruiseline. Our itinerary is an 8-day/7-night trip to visit 3 different countries (set sail from Galveston, docks in Roatan, Honduras; Belize City, Belize; and Cozumel, Mexico). We are paying for four people (no, kids aren’t free), but are all staying in a single room. We chose an interior room (I’d really wanted an exterior for the extra square footage, but settled on the interior since it was cheaper and we could be adjoining with my sister’s family). The total cost including taxes, port fees, and pre-paid gratuities is $2496. This cost includes all food on the ship (there are options to pay for dining at certain on-board restaurants, but the free options are already delicious, gourmet, and FREE, so we won’t pay extra for food). We will, however, budget additional money to pay for any miscellaneous expenses that come up, including souvenirs, possible excursions (e.g., they charge money to go to the beach at the different ports of call), and any food we eat while visiting the different countries we’ll be visiting. In total I’ve planned to set aside $4,000 for the trip, which should be MORE than enough. I’d rather have extra money set aside and end up being able to make a debt payment with leftover money after-the-fact rather than come up short on cash. So that remains the plan.

I know the whole idea of a cruise while still in a mountain of student loan debt is controversial so I won’t be bringing it back up a lot. But I stand by my thoughts in this post where I described how and why we came to this decision. I’ve also had a couple commenters ask if we plan to do any type of celebration once we pay off all consumer debt. I think the cruise is celebration a-plenty. Yes, it’s technically for my Mom. But it will be fabulous to pay for the cruise all cash and know that – for my family – the trip also marks an important milestone in terms of being committed to NEVER acquiring additional debt in our lives (big exception: we still plan to buy a home at some point!) Sooooo…..consumer-debt free by early 2016! That means we’ve got some serious work to do on our car loan! Better get to it! ; )

What do your 1-year financial goals entail?