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  1. ruadisneyfan2

    Debt Dumpers 2024

    Yes, they are. It’s good to have a rough estimate of what your expected medical expenses will be. OTC meds also qualify as well as sunscreen. I have bad allergies so that alone amounts to several hundred $ for Allegra, Singulair, Flonase, sinus rinse, and prescription antibiotic ointment and...
  2. ruadisneyfan2

    Magic - 10 night Eastern Caribbean

    Wow, that is a good price! All of their cruises are much higher this year and next year's cruise prices are in the stratosphere. I love DCL but increasing prices so quickly is going leave a lot of loyal returning guests out of the picture. I know they love getting new cruisers because...
  3. ruadisneyfan2

    Debt Dumpers 2024

    I know people who have access to a FSA but blow it off saying they need "all" of their paycheck and don't want the extra deduction from their take home pay. They don't realize it saves money in the long run because it lowers your taxable income. Why would you want to give more $$ to the IRS...
  4. ruadisneyfan2

    Magic - 10 night Eastern Caribbean

    A couple days ago we just booked the 6-nt cruise from San Juan Nov 15 sailing for only $3200 for 2 adults in a Cat 5C verandah. This is with OBB discount. It's not a super interesting itinerary but when we just want some time to relax on a ship without breaking the bank, it will do.
  5. ruadisneyfan2

    MCO or Port Canaveral hotel before cruise?

    Would that mean a possibility of luggage being left behind in the hotel room?
  6. ruadisneyfan2

    MCO or Port Canaveral hotel before cruise?

    Back when we used to stay there, we just left the cash on top of the suitcase. I would hope that catches their eye. Come to think of it, it's been so long since we sailed out of PC. It probably was 2016. It won't be me staying up late; we're Pearl. My niece would have that pleasure. She's...
  7. ruadisneyfan2

    MCO or Port Canaveral hotel before cruise?

    I have stayed at the Hyatt MCO several times so I am familiar with the lobby up the escalator/elevator from the airport terminal. The last time we stayed there AND had DCL transfers was before covid and they were not offering any DCL check in at the Hyatt. It seems a lot has changed since...
  8. ruadisneyfan2

    MCO or Port Canaveral hotel before cruise?

    I came on here just to find out how Hyatt MCO guests are handled these days. My niece and her family is sailing a Halloween cruise. Does luggage need to be ready at 8am? Does the Hyatt need to be booked through DCL in order for them to collect luggage from the hotel room? They will be using...
  9. ruadisneyfan2

    Debt Dumpers 2024

    It will improve over time if you continue to live below your means AND apply all spare funds toward debt reduction.
  10. ruadisneyfan2

    Debt Dumpers 2024

    To me, living check to check would mean that if you didn’t receive the next check (for whatever reason) then some bills would not be able to be paid.
  11. ruadisneyfan2

    Castaway Cay Wind Concern!

    On our double dip on the Dream last week, we arrived at CC the night before. They announced that it was the safest time to dock as it would be very windy the next day. They really make every effort to be able to dock there. This was taken a little before 10pm.
  12. ruadisneyfan2

    Debt Dumpers 2024

    In not all cases, but in many, it is debatable about what exactly is “needed” to live. We all have different comfort levels and perceptions.
  13. ruadisneyfan2

    Debt Dumpers 2024

    That should improve once your debt is gone and you learn to live below your means. Those of us who are no longer living check to check are doing it because we changed our old ways that were causing that. Eventually savings start to build up and you have some room to breathe a little.
  14. ruadisneyfan2

    Starting to get flight anxiety

    I had some flight anxiety after a very turbulent flight around 20 years ago. It wasn't enough to stop me from flying but I did get some Ativan which took the edge off. I also read a book written by SWA pilot, Ray Stark, called This is Your Captain Speaking. It explained all the safety...
  15. ruadisneyfan2

    Debt Dumpers 2024

    :cheer2: I know I'm a dork, but I just LOVE gazelle intensity. :laughing: :badpc: Like this is your debt.
  16. ruadisneyfan2

    Debt Dumpers 2024

    :banana::banana::banana::banana:
  17. ruadisneyfan2

    Debt Dumpers 2024

    We go out to eat on our birthdays (4 of us) and on our anniversary. The whole point of cutting back to free up money is to put it toward the debt/emergency fund. Pick one goal and hammer down on it like you’re mad at it.
  18. ruadisneyfan2

    Separate cabin for college-age kids?

    We started doing that when our kids were 12 & 15. They were very experienced cruisers. For our Alaskan cruise, it was actually cheaper than putting all 4 of us in one room with verandah. Back then, an OBB included OBC from DCL and it was tiered according to Castaway Club level. We were...
  19. ruadisneyfan2

    Is ~$400 more worth it for an extra night?

    I would do the longer cruise. I wouln't even care that it's Nassau. I enjoy being on the ship anywhere. If it's in warm weather, it could just sit at the dock for all I care. :cloud9:
  20. ruadisneyfan2

    DCL Transfer tipping

    I realize this is an old thread, but are they still doing it this way these days?
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