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first time cruise (Carribean): what money do we take?

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Hi
We are on our very first cruise this June - setting off from Barbados. What money do we take given that we are visiting different Islands? I'm guessing its US$.

Also, is there usually enough time to do any walking on the Islands visited. We are visiting St Lucia and would like to do some walking there - is this something the Cruise Ships sort out?

Thanks for any help.

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