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Booking after final payment: To wait or not to wait?

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What has worked best for you?

I'm looking at a Med cruise (Celebrity Reflection on 8/15/14) but keep hesitating due to prices ($2579 for a veranda). It seems like last summer's rates for Europe were slashed by up to 60% after final.

Ultimately, I'd like a veranda (or higher category) but I'm not picky about cabin location. How risky would it be to wait?

I've also considered booking now and watching for price adjustments ... then trying to upgrade after final.

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