What You'll Pay: Most people purchase something to remember their cruise, and it can be tough to pass on the beautiful -- and expensive -- figurines, perfumes, designer fashions and leather goods if your budget doesn't allow for them. Even tacky trinkets and T-shirts can add up if you're buying for your extended family-and-friend network. Prices can range from a $5 tee to a piece of jewelry valued in the hundreds or even thousands of dollars.

Savings Tip: Avoid temptation by not browsing in the boutiques onboard and ashore if you cannot afford to buy. Typically, bargain tables appear on ships toward the end of a cruise, so wait for the latter portion to buy onboard if you're so inclined. If you do plan to purchase jewelry, clothing or duty-free liquor onboard, check the prices of merchandise at stores back home, and bring a list so you can compare prices. (The prices on ships are not always deals.)

Don't invest in a piece of art at an onboard auction unless you've done your research in advance and know the value of what you're purchasing.

In port, good, inexpensive souvenirs include handicrafts from outdoor markets and street vendors, and local products such as coffee, jellies and candy purchased at grocery stores in port, where souvenirs are generally less expensive. Many souvenir stores carry the same products, so compare prices before buying. #inCruises