Thanks for the great thread. DW and I are facing some tough financial times right now ourselves, but the cruise was paid for before the hard times happened, and it was too late to cancel.
We will not do any shore excursions, except those we create on our own, and we will be bringing our own snorkeling equipment for CC. Plus, we don't drink, so that isn't an issue. I did pay for REAS, so we will get Palo's and Spa in that, but those will be the only frivolities.