I think you have to work out what you want first. How much can you afford? If you do the $28 tour, will you end up spending loads more anyway with dinner and presents?

I'd talk to your friend. Tell her you can't afford that particular tour, you're happy to do the cheaper version or maybe catch up for dinner. Or just explain you're now skint and can't make it. Unexpected expenses are part of life.

I think you also need to tell Andrew it is now a girls only night but given the price, you'd rather the two of you go at a later date. If that's what you want. If you still want to go with the girls, just explain it and see what he says. Him being disappointed isnt the end of the world, though I realise you'd like to avoid this. He's a big boy and the gaol will still be there for later trips.

I know you dont want to let people down, but the reality is you cant afford for you to both go on that particular tour. It may be the end result is everyone feels disappointed, but the bills get paid. It sucks, but that's part of life. As PP have said, you can do other, cheaper things to make up for it.

Personally, I couldnt do a 4 hour ghost tour. 2 hours seems plenty. I done night tours of both Port Arthur and the Sydney Quarantine Station. Both were freaky enough without being cold and dark and scared silly for 4 hours.