We found ourselves doing land tours instead of cruises, much cheaper. We spend October through March in the Philippines, used to do cruises out of Singapore to Hong Kong. This year we rented a two bedroom apartment in the mountains, Baguio City. For $450/ month we got WiFi and big screen smart tv in a barangay a few blocks away from downtown and the park. The food was very cheap, we spent less than $1,000 on food, transportation and entertainment per month. We do not drink alcohol. The temperature was in the high 70's every day, got down to 60 at night. Rained two days out of 30. At the mall we got 10 pieces of sushi with senior discount for $2 each. The Greyhound Cafe, specializing in Thai food, only was $16 total including service charge for the two of us much less than half what we pay for the same quality food and service in the USA. Cab rides from the mall, a 30 minute walk, were less than $2. Will be going back next year.