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Always ask your cruise agent about any specific clothing needs for your particular ship. Some ships have special requirements that may affect your packing plan.
Although you can purchase many items on ship or in cruise ports, you will often pay a heavy premium, and may not find exactly what you need. For example, film for your camera will cost significantly more once you leave home and you may not find the size or speed you require.
Try to pack clothing that is re-usable on the cruise. For example, a men's blazer may be used on a formal night if packaged with the proper shirt & tie. The same blazer can be used with an open-neck shirt or a less-formal shirt and tie for an informal night. A formal skirt can be mixed with different blouses and/or jackets for varying effects.
Formal nights are not necessarily extremely formal. Some passengers, who enjoy dressing up, will go all out with tuxedo's, long gowns, etc. On most seven-night cruises, this is not necessary. The majority of men wear a suit or blazer with white shirt and conservative tie on formal nights. Many women wear cocktail dresses, fancy dresses, or suits. It’s like getting dressed for a nice wedding. Young boys can wear nice slacks with a shirt and a tie. The more expensive the ship, the more likely that formal wear will be worn.
Many ships have self-serve laundry and ironing facilities in addition to the available washing and/or dry cleaning. Sometimes it makes sense to do a load or two during the cruise rather than pack enough of everything for your entire trip.
It's quite possible to avoid getting dressed up during a cruise. How? Simply plan to eat your evening meal in the Lido restaurant during formal nights, or have room service that night. You can even have a snack and a nap at dinnertime, and enjoy the midnight buffet in casual attire. If you're interested in a totally casual cruise, ask your cruise agent how the line you've chosen handles casual evening meals. By the way, Lobster tails are commonly served on one of the formal nights. If that's important to you, ask your waiter which night the lobster will be served.
If you choose to travel with expensive jewelry, use the purser's safe when you're not wearing it. Although room safes are available on many ships, only valuables locked up in the purser's safe are covered under the ship's insurance (check you cruise contract, usually supplied with your cruise documents). Frankly, we'd recommend leaving your very expensive and/or priceless jewelry at home, or in your bank's safe deposit box.
If you're planning to buy t-shirts, hats, etc. on the ship or ports of call, why not wear them on your cruise? You'll cut down on the amount of clothing you'll bring, and you won’t need to plan for extra space on your trip home. If you under-packed (unlikely), you can purchase additional clothing during the cruise.
In the tropics, use light cotton clothing as often as possible. You'll be cooler and more comfortable.
Plan your carry-on load carefully. A larger carry-on bag (within airline carry-on requirements) is useful so that you can comfortably carry a  change of clothing. Keep your carry-on bag safe when you're in the airport; never leave it unattended.
Carry all documents, medicines, essentials, and valuables with you in your carry-on. If your main article of luggage is lost or misplaced, can you exist with what you're carrying?
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