Unit Upkeep and Army Running Costs...don't add up.

[Ca Putt]

+1 even your most humble(cheaper than most weaker ships of other factionsbtw) 50rowers cost you 700 mnai a turn.

probably not applying to your situation: afaik Generals(not family members) bodyguards also cost Upkeep rather than wage, which can hit the books with whooping four digits of mnai.

KH also is one of those factions that rely on a good(lucky) start, as otherwise you are whiped out by the Makedonians. My advice would have been to:
1. infiltrate kydonia.
2. use (only)the main army on crete to conquer it.
3. save your fleet in the Cretan harbor and disband all but one "ship"
the rest of your army is duely need on the mainland to take Korinth and defend against the royalists(makedon)
I usually get the cretan army over to the mainland by turn 2 or 3, depending on if I managed to infiltrate kydonia.

edit: OOOOOHHH, now I know, it's the Spartan generals BG, they cost the aforementioned 800 mnai upkeep, thanks for reminding me :)