Advantages to paying early

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topo gigio

Earning My Ears

Joined

Apr 29, 2015

• May 5, 2015

• #1

Are there any advantages to paying for the cruise early? My cruise is in December. Just curious. Thanks a bunch!

 

PrincessShmoo

DIS veteran

Joined

Feb 12, 2009

• May 5, 2015

• #2

topo gigio said:

Are there any advantages to paying for the cruise early? My cruise is in December. Just curious. Thanks a bunch!

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Basically, just knowing it's paid for. Some cruises have the Paid in Full date after the date that excursions can be booked for some returning cruisers. And you can't book excursions unless you're paid in full. That would be a benefit.

 

D

DISNEY FANTASY

DIS Veteran

Joined

May 7, 2010

• May 5, 2015

• #3

topo gigio said:

Are there any advantages to paying for the cruise early? My cruise is in December. Just curious. Thanks a bunch!

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Lots....

Help you budget.
Can't book shore trips until you do.
If not from USA choose when to pay I saved $5000 on pre paying when the £ was high against the $. ( from over $1.70 to below $1.40).
You can get it back up to PIF date.
Avoid last minute security checks on your payment cards by Banks giving you a panic.
Pay regularly to budget.

 

Last edited: May 5, 2015

AndreAggie

DIS Veteran

Joined

Apr 4, 2014

• May 5, 2015

• #4

We're paying ours monthly through the Disney credit card. The payment hits each month and gets paid...it's less than $200 so you hardly notice it! Come December, we'll be paid in full and we don't get hit with a last minute "you owe $1700!"

 

D

DISNEY FANTASY

DIS Veteran

Joined

May 7, 2010

• May 5, 2015

• #5

AndreAggie said:

We're paying ours monthly through the Disney credit card. The payment hits each month and gets paid...it's less than $200 so you hardly notice it! Come December, we'll be paid in full and we don't get hit with a last minute "you owe $1700!"

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That's a great idea.

 

perditax

DIS Veteran

Joined

Jan 8, 2015

• May 5, 2015

• #6

topo gigio said:

Are there any advantages to paying for the cruise early? My cruise is in December. Just curious. Thanks a bunch!

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Not from a DCL point of view. You still can't book anything until your check-in date.

 

Ofinn

DCL Platinum

Joined

Feb 18, 2013

• May 5, 2015

• #7

All but our first cruise and our upcoming Hawaii and Alaska cruises were booked after the PIF date, but when we used to go to WDW I would pay off our trips months in advance. It's nice having it paid for and out of the way. Honestly the interest rate on my Vacation savings account through my bank is a joke so I'd rather have the piece of mind then the extra 0.2% interest I earn by letting the money sit there.

 

Bree

Runs on Coffee

Joined

Jan 5, 2009

• May 5, 2015

• #8

I like everything paid off. I hate having any type of bill looming over me!

 

anricat

DIS Veteran

Joined

Feb 20, 2014

• May 5, 2015

• #9

We are cruising again in October and we're all paid for! I even deposited a large chunk of money into our onboard account. Now I'm free to save up for Alaska in 2016!

 

D

DISNEY FANTASY

DIS Veteran

Joined

May 7, 2010

• May 5, 2015

• #10

anricat said:

We are cruising again in October and we're all paid for! I even deposited a large chunk of money into our onboard account. Now I'm free to save up for Alaska in 2016!

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Same thoughts.

 

Marita916

Earning My Ears

Joined

Mar 26, 2015

• May 5, 2015

• #11

My family pays all vacations prior to packing our bags for any trip. It is just our motto. So when we went to Alaska on Disney in 2013, I had it planned out budget wise. Every month, I put money down on our cruise, and paid for the airlines. It was a great feeling, not to have to pay for the trip, after the trip. When we come home, we just go forward, and plan our next trip. Also, I purchase Disney gift cards with extra cash prior to the cruise, and take them with me for our onboard account. It has worked our very well.

 

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cableguy123

Mouseketeer

Joined

May 17, 2014

• May 5, 2015

• #12

Mine is in November paid in full a week or so ago. now have to wait till the 125 day mark to book anything. Piece of mind is a great thing

 

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mom2mizmous

Mouseketeer

Joined

Apr 16, 2008

• May 5, 2015

• #13

I got to grab a cabana on SB! (gold cc member) Bet it wouldn't have still been there if I waited until my official due date! Also booked our palo dinner and brunch. So agree with others that paying early can benefit you for certain ressies if you are lucky enough to have even a small book ahead window!

 

D

DISNEY FANTASY

DIS Veteran

Joined

May 7, 2010

• May 5, 2015

• #14

mom2mizmous said:

I got to grab a cabana on SB! (gold cc member) Bet it wouldn't have still been there if I waited until my official due date! Also booked out palo dinner and brunch. So agree with others that paying early can benefit you for certain ressies if you are lucky enough to have even a small book ahead window!

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Good for you.

 

verleniahall

DIS Veteran

Joined

Aug 5, 2013

• May 5, 2015

• #15

PrincessShmoo said:

Basically, just knowing it's paid for. Some cruises have the Paid in Full date after the date that excursions can be booked for some returning cruisers. And you can't book excursions unless you're paid in full. That would be a benefit.

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This would be me - I would be too worried that I wouldn't get it paid off in time otherwise - and that way I had more money to spend elsewhere for the vacation

 

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mom2mizmous

Mouseketeer

Joined

Apr 16, 2008

• May 5, 2015

• #16

DISNEY FANTASY said:

Good for you.

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Thanks! this our first ( and probably only) time we will have a cabana . But due to DH recovering from an injury this spring, we thought would be good for him to have a designated spot to hang out( expect he will still be limping around - but the good news is he is still here and will eventually recover and so far Dr. s think he will be able to cruise (low-key/r and r type ) in aug( now fingers crossed no set backs that keep us from the cruise!)