 Some cruise lines are charging for shore shuttles or bottled water, according to Douglas Ward, author of Berlitz Complete Guide to Cruising. And while passengers used to have to make their final payment two months before a sailing, some cruise lines are asking for that three or four months ahead of time, giving them use of your money for longer. However, some cruise lines will give you a 5 to 20 percent discount if you pay in full up front.