Check into the Best Western Gift Cards to cover your precruise hotel stay, else get a Hyatt Card or a Hilton card for free nights to cover. Next consider a Citi AA double/triple card play to cover your air fare. MIA and FLL are relatively easy to substitute for each other. You need an ff program that allows one ways at half cost as many times you can find an ff flight in (especially if you arrive a day before), but not out. Try an AARP 5% CB card to rack up cash for the trip.

Dunno your itinerary, but get over to cruisecritic.com and cruisemates.com to learn about your ship.

Does sound like you are a relative newbie to cruising. Check with your airline ff program for deals or a discount online broker. Many of us use vacationstogo for their lisiting of alternatives cruises available. No endorsement pro or con for prices - just focus on alternatives. Also you are still in the storm season, so watch the weather as you get closer.