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The hardest question in the world to answer really. It is according to your personal needs and habits and something we cannot answer. We can help give prices for things like marine park fees, fuel surcharges, port fees, what they cost if and when they are to be paid on site, but what personal habits you have is difficult for us to put an amount on.
Many resorts and hotels accept cards, but if, for example, you want to go out to eat, do country tours, visit local markets, in many countries cash is often accepted on the spot. For example, if you also want to tip, it is in cash.