Micro Budget Cruising - Hidden Costs
Looper, I think you are ID''ing a reality out on the cruising trail; fortunately, clearance fees are not endemic worldwide. You will find fees in the Caribbean to be small or absent altogether. As you enter the Med and continue west and perhaps up to N Europe, you will find fees rare...altho'' a few countries like Croatia have fee structures that motivate folks on slim cruising budgets to give them a miss. The Atlantic Is. fees are very small. OTOH the major canals can be very expensive for a skinny budget: Panama, Suez, and the Corrinth all leap to mind.
I''d suggest you plot out expenses by region, and then modify your planned expenditures accordingly so that you average these costs over the full span of your route, in which case a monthly budget won''t be hit quite so hard.