Please do tell.Honduras. The Bay Islands for cheap diving, and the Cangrejal is a ferry ride away. Costa Rica is hella expensive right now for some reason. I was paying $2+ for local beers in sketchy joints in Turrialba last month. That ain't right.
Harder to get to but more rustic and charming is Utila. There is a ferry from La Ceiba or you can take a daily sailboat from Roatan. Go at the right time and you will probably see whale sharks. If you stay in Roatan the west end has beautiful sandy beaches and a charming town alsoI will third roatan's diving. We did 4 dives a day including wreck and night dives. Aweaome!