I use a spread sheet. I list all of our expenses, then all of my payments. The expenses include cruise,
trip insurance, transportation to port, tips ($12 per day per person), Palo / Remy, excursions, spa treatments / rainforest room, souvenir budget (guess), flights and hotel stay and food for day before. The items I can pay for through
DCL get put into one column. Add anything else you can think of. It is better to plan for more and get a refund than to not plan for enough and have to pay extra at the end.
Things like the flight, hotel and meals get put into another column b/c they will be paid for separately. As these are reserved and paid for, they are marked "paid"
I keep up with each payment - date, media (which card - CC or GC), amount.
I add up all the expenses as a group. I subtract all of the payments as a group. I have a net amount (balance) to let me know how much more $$ I need.
The top of the spreadsheet has important dates - date of cruise, PIF day, today's date, how many more days until PIF and how many more days until cruise.
I like to use lots of colors