Everything to do with boat ownership and cruising has a price and a budget is required from your first planning session through to enjoying your cruise.
What type of cruising do you have in mind? Occasional weekends and annual holidays; long term or full time cruising? The answer to this question will have a great bearing on your budget requirements. If you are planning the former your biggest expense will be the boat itself, whereas if you are considering long term voyaging your budget considerations are more complex.
Once you have clearly defined your cruising objectives then your budget can take shape. The last thing you will want is to end up with a mountain of debt when you come back ashore.