Yes, there are formal nights on a Baltics cruise the first formal night is the third night out on BLISS. I never change money ahead of time. Almost all over the world the US dollar works. We get a little local currency once we get to places if we are spending more than a few days with that currency, most of the time we end up bringing it home. We have lots of ziplocks with money in them only to forget them when we leave.
