Maybe you just booked your next Disney trip and are ready for our cost-saving tips. Or, maybe you’re in the dreaming phase (the phase we’re in about 99% of the time.) Either way, our strategy for saving is useful for anyone interested in vacationing at Disney on a budget.
My husband and I divide up vacation prep as follows: I make the spreadsheet, book ADRs, Fastpasses and hotels, and he figures out how we can pay as little as possible for the trip. It works out well, since I obsess over eating food, not paying for it! This is our process for saving.
- We start out by seeing what discounts are available for the time period we’re looking to travel. Either that, or we see a great offer, and decide if we can get away from school and work. As you know if you’ve read this blog in the past, we love the free dining promotion. For us, it’s better than a room discount because we mostly stay at value resorts, where the room discount is not as deep. That is usually offered late summer through December, and we can usually make a short trip happen somewhere in this time frame.
- Next we start saving. We have a change jar that gets filled up with extra cash, found change etc. which gets turned in at our Credit Union and put in a separate vacation account.
- Meanwhile, we use a rewards credit card for all our purchases, using it like a debit card. We make sure we never carry a balance on (paying interest is the opposite of what we’d like to accomplish!) We used to use the Disney Chase Visa, but changed to a low fee card with a higher cash back rate. 2% doesn’t seem like much but it adds up over the year or so it takes us to save.
- We pay for our vacation with discounted gift cards. We buy our gift cards online (with our rewards card) at BJ’s Wholesale Club for $94.99 per $100.00 card. We also use Ebates, which is a handy way to get cash back on your online purchases (1% for BJ’s) It can be time-consuming to type in all the gift card numbers to pay for your trip, but I just picture myself walking down Main Street USA in the Magic Kingdom and the time flies by.
So here’s a rundown of our savings for a $3000 trip (or about a week for 4 people.) We buy $3000 in gift cards from BJ’s for $2849.70. We get $28.49 back in a check from Ebates, and $56.98 back from the credit card (in a credit or straight cash back) For a total savings of $235.77 or roughly 8%.
So with a little discipline and foresight we have found a way to save a pretty significant amount for our vacation. We have heard of other creative ways such as setting a budget for food, and whatever you save you put in a Disney fund. So please share your ways to make a trip to the Magic Kingdom a little easier on the wallet. If you’re interested in getting money back on your online purchases from Ebates (yes, you get an actual check!) use this link here