Thank you so much for replying Yue and xwhy. A lot of what you say Yue, is how I feel about it except that I am not looking for friendship I am looking for a serious relationship. He is not in a rush despite the offer of a cruise. (it was already booked before we met). I think I know I will be turning the offer down.
I think there might have been a bit of misunderstanding about how I view a relationship xwhy. I believe what you say may be true and that is what I was suggesting that I give it a go because my previous relationships have been based on “instant attraction”, spark etc. but they didn’t last so that not being the case with this guy I want to see if anything develops further and so was questioning if I should take a chance with the cruise offer.

My life is spiralling downhill financially and socially. I need a partner in my life. For some strange reason the minute people read that last sentence they are ready to jump on you and say how wrong it is to think that way. Yet I am pretty sure the majority of the human population has a partner, family and friends that help support them this way.
I cant forget about relationships until I sort myself out, because financially that wont happen unless I win the lottery. I am not going to look like a good potential partner when I live on the street and am destitute and miserable.
Life is short I feel there is no time to waste when looking for a life partner.
Sorry, just needed to vent. Thanks again for the replies.