What to take. The best thing to do is make a list. Talk to your friends who've been on a cruise and get their ideas. Keep this list nearby you so that you can update it when you think of something else. Then, make sure you have this list when you actually pack. You're bound to forget something small, but don't sweat it, you'll be able to pick most things up along the way.

Don't forget to take your passport, driver's license, and medical insurance card. Depending on your cruise destination you may require a visa. Check with your cruise line. Don't forget credit cards, some cash and travelers checks. Travelers checks are very convenient and accepted almost anywhere. They're easily replaced if lost or stolen. Make sure you take contact numbers with you in case your credit cards are lost or stolen. Keep these numbers in a safe place away from the credit cards and travelers checks. Also it's a good idea to check to see if you can use a calling card for making long distance calls. Call your cell phone provider to see if you have service and check to see what types of rates they can offer if you are out of your service area.

Of course you'll decide on your clothing needs based on the type of cruise you'll be taking. Generally a few weeks before your cruise you will receive an itinerary from the cruise line outlining activities on board, and available shore excursions. You can always use the internet to check to see what the forecast is in the area you'll be visiting.

Although casual is the theme for most cruises, generally there is at least one dress up dinner per cruise. A woman will need a nice long dress and strappy dressy shoes. A gentleman will need a nice pair of pants and button down shirt, no tie.

What type of shipboard activities will you be partaking in? Using the gym? Take work out clothing. Playing tennis? Take your whites. Using the pool? Take several swimsuits. At the end of each day you can wash one out in the sink in your cabin.

Then there are all the other personal effects to be considered, your medications, eyeglasses, sunglasses, sunscreen, a small first aid kit, a small sewing kit. Toothpaste, toothbrush, make up, shampoo, hair dryer, the list goes on and on. One thing I do before a vacation is actually list what I use in a routine shower in the morning and put these things on my travel list.

Remember to leave enough room in your suitcase for souvenirs!