Whenever we go on a cruise, my husband and I always plan to snorkel on at least one island. On our first cruise, we went on a shore excursion that provided the snorkel, but then we got smart.

Instead of signing up for a snorkeling excursion, we pack our own snorkels and head to the beach. You can buy cheap snorkels anywhere, and they don't take up much luggage space. At the island, we simply walk to the beach and start swimming -- no time limit or groups to slow us down.

And the money we save? It buys lunch at a local restaurant.