Well, no money needed for drinks or gratuities. My husband and I usually give some of the crew who served us an extra tip. You can put this on room charges, no need for cash. You can also donate to the crew account that they use for special events for the crew. We usually book ship excursions ahead of time and you can use a credit card for those. Even if you book them while on the ship, you can still use a credit card. We usually give the excursion guides tips between $10 and $20 dollars. Anything you buy on the ship can be charged. You can do your own laundry, but dry cleaning is extra