Because you want to Not Because you have to

FACTS

Out of the 1,900,000 maritime workers in the world, a significant number make the same mistake when it comes to managing their finances:

  1. Spend too much money, without any plans or assistance on how to invest for their future.

  2. Underestimate the cost of living, and raising a family because everything is paid for and taken care of while they are onboard.

  3. Get trapped in a circle where they are so dependent on the money they earn from their long contracts onboard, which for many nationalities is good compared to a normal job at home, that they have no other option than to come back year after year.

  4. No investments, or understanding of saving in regards to increased costs and inflation.

  5. No option to learn through the cruise line, as there often is no option so nobody asks for it either.

A Typical Example

Out of the 500 000 cruise line crew members in the world today, the majority work in positions with an average salary of around $1500 per month, 7 days per week, around 11 hours per day, for 6, 7 or even 8 months straight.

We have small cabins, work in an intense and high pressure environment with an increasing amount of mandatory drills, trainings, rules and regulations to follow. We don't even have free Internet, in fact we have expensive Internet.

The majority of our time we spend away from our families, we get a short vacation that is unpaid. The $8,000 or $10,000 we have saved at the end of our contracts, shall now cover our time without income, so within two months most of us find ourselves back on board again, and this goes on and on. Perfect for the cruise line operators, which is what they want and also the reason why some of us don't even earn interest from our own money deposited into our salary account, because it is owned by the company.

This is Lena, Lena works in Housekeeping, she is a Public Area Attendant, and she just got paid. She used to earn 350 dollar per month at home before, working as a cleaner 6 days per week, 8 hours per day in a hotel, so she thought 1500 dollars per month was incredible when she got the her cruise line job.

Hold on, I worked 31 days in January, 10 to 11 hours per day, thats 341 hours, that’s about $4.40 per hour, can that really be right? I spent $45 on internet this month, around $70 on drinks in the crew bar and snacks in the slop chest, I have 6 months left, I really need to save more if I am gone reach my target and have saved $10,000 when I go home"

Our Crew Future Options

Early Access - Get access to up to $250 in advance 4 days prior to salary

Round Up - Learn how to save, invest with our automatic gold investment option

Main & Day to Day - With a free supplementary (Day to Day) card, for your loved once at home

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