I have been working for a small ship cruiseline for the past 8 years and I love it. The most passengers we have is 130 on our largest ship. We work 12 hours a day for 6-8 weeks then get 2-4 weeks off in the summer. I have spent my winters in South east Asia, Ecuador, and West Africa. Plus you can backpack around Europe in the summertime on your breaks.
I spent 5 years without paying rent so you can limit your bills. You can check it out at Cruisewest.com