The envelopes will be left in your cabin the day before your last day of the cruise. I'm not sure if different ships operate differently but that's how I remembered it on the Majesty. If you pre-pay, you may want to bring your own envelopes. I'm sure if not positive that these staff members know whether you've pre-paid your tips. Tell hubby to leave more dollars to spare at the end of your cruise so that you can tip them personally, that way you'll have the best of both worlds.