6) Do you like to get places fast? If so, you'll probably turn on your engine more than you think. And diesel does not come cheap. We are lucky in that we have a new, very efficient engine in our boat and we've probably put in the equivalent of less than 10 full tanks since we left. If your engine is a gas-guzzler or you prefer to motor to make better time (keep in mind, motorsailing will save you diesel), then you might want to practice your zen meditations for when the wind dies or add a few more bucks to that cruising kitty.
7) Do you like your "creature comforts"?** And by that I mean comforts such as; air conditioning, refrigeration, water maker, television, constant Internet connection, ice... etc. If you said yes to any or all of these things understand that they WILL cost you more money not only in installation but in practice as well. All of those systems (particularly AC and refrigeration) are energy guzzlers (and therefore costly) and others are very expensive to have (some water makers, satellite Internet on board). If you want or have all of these on your boat, add some more to your cruising budget because you'll be paying for that comfort! (For the record, we have no AC, no refrigeration, no television, and we have a wifi booster with which we usually get free Internet).