What You'll Pay: Cruise lines sell shore excursions -- guided tours and experiences in the various ports of call -- but they do inflate prices above what the actual tour operators charge. Prices for these excursions range from about $35 for a quick city and shopping tour to more than $300 for some all-day tours, overland programs including meals and snacks, and such over-the-top offerings as helicopter flightseeing and hot-air ballooning. Most tours are priced somewhere between $50 and $175, depending on length and activities involved.

Savings Tip: While you might wish to sign up for some of the ship's tours (particularly if you're not familiar with the port and do not speak the language), you also have the option to tour independently at a fraction of the cost -- or even for free, if you go on a self-guided walking tour. Before setting sail, visit the websites of your ports' tourist boards or Cruise Critic's Ports section to get ideas on things to see and how to get around on your own in port. Online travel guides and apps can also help you plan your time ashore.

Local festivals and craft displays can be sources of good, free entertainment. Parks, beaches and art galleries are other free or nominal-charge attractions to check out. Or perhaps you prefer to simply wander through town, browsing in shops and stopping for a coffee or snack.

If you decide to hire a car and driver to give you a private tour (generally less expensive than the shipboard excursions, especially if you have a group) or just to take you to the center of town, always agree on the price (and, in the case of a tour, which specific points of interest will be covered) before you get into the car. If you do want an organized tour, you can book directly with a tour operator or through third-party shore excursion sellers; you might save a few dollars that way.. #inCruises