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Topic: How do you budget?, Budget!< Next Oldest | Next Newest >

rsabridget Offline

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Posted: Aug. 22, 2003 7:12 am/pm Quote

Hello everyone, I just found this site and I'm in heaven.  I just got back from my 1st trip to Disney in May (10 days) and can't wait to go back.  Our origianl plan was to go back in 2 years, but it has not been a good summer so that might be postposted to 3 years
I'm interested on hearing how other people save and budget for a disney trip.
Thanks -

:minnie:


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Rhonda / rsabridget
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WhatsaPooh Offline

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Posted: Aug. 22, 2003 8:01 am/pm Quote

Welcome to the Echo Rhonda, you will meet some really great people here!

Our last WDW trip was in Dec. 2001, we knew that we would plan on going back Dec. 2003.  Well the FTP came along and ressies were changed to Oct. ::2 months less to save $$:: Then this past Feb., Dd announced her engagement and upcoming July 03 wedding  :dollar: The disney account went for other things and we probably should have postponed this trip, but it has been a long stressful year and Dh and I need this trip.

So, my bday and our anniversary are within days of the trip-no presents this year. We'll also consider this trip our Christmas gift to each other, (we will buy for the rest of the family).  Our neighborhood is having a yard sale next month- whatever I make will go to the Disney fund.  I either go home for lunch, or take my lunch each day instead of eating out.  Little things to save here and there, all change is thrown into a jar to take to the bank.  And we did use our Disney VISA for whatever we could for Dd's wedding so we could get the Disney dollar rewards.  The child tax credit check also helped as well - 2 kids still at home but only the  6 yo is young enough to be claimed- oh well.

We set up a separate bank account (no fee, etc.) to keep this money in, so we're not tempted to use it.

Enjoy planning and saving. Knowing there is a reward in the end, hopefully will make it easier. :pixiedust:


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Kathy in MD / WhatsaPooh
Poly 10/2003 & hopefully 12/04
CBR 12/2001 Dh's and Ds's 1st trip
FWcabins 5/1994
Offsite 4/1977

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Ciavobella Offline

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Posted: Aug. 22, 2003 8:19 am/pm Quote

:wave: Welcome Rhonda :wave:

We cut down (or out) take-out, save our change and dollars (if we have them in our wallet at the end of the day). I also sell things on Ebay. With three kids I often have lots of stuff laying around to get rid of. That is how we get extra spending money and money for PS. The one important thing we finally learned is something I've heard from financial people for years... Pay yourself first! Ever since we started doing that we've had a lot more money in savings. Even if it's just $25, $30 a week it adds up. I could easily spend that money in a convenience store or at Target on little things I really could do without.
Oh and somehow before a trip we wind up eating pasta 2-3 times a week - it never fails  LOL .


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Karen / Ciavobella


Sometimes, when you are a Bear of Very Little Brain, and you Think of Things,you find sometimes that a Thing which seemed very Thingish inside you is quite different when it gets out into the open and has other people looking at it.
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WhatsaPooh Offline

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Posted: Aug. 22, 2003 9:05 am/pm Quote

Quote (Ciavobella @ Aug. 22, 2003 8:19 am/pm)
I could easily spend that money in a convenience store or at Target on little things I really could do without.

I haven't seen the inside of a Target in almost a month  :o
I know that their profit margin has been affected  :D


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Kathy in MD / WhatsaPooh
Poly 10/2003 & hopefully 12/04
CBR 12/2001 Dh's and Ds's 1st trip
FWcabins 5/1994
Offsite 4/1977

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RichKoster Offline

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Posted: Aug. 22, 2003 10:10 am/pm Quote

Yoo Hoo, Rhonda / rsabridget!

Great question! Knowing that we'll be eating out a lot when we're at Disney helps us not eat out so much while we're at home saving for our trip. If we need to save more money for our vacation, whenever we get the urge to eat out while at home one of us will remind the other "Now, we could eat out tonight but wouldn't you rather use that money to eat at WDW when we're there?"

Welcome to the Disney Echo, Rhonda! Here's your "ears":


Thanks for joining us!


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RichKoster, Disney Echo modEARator
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WebTink Offline

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Posted: Aug. 22, 2003 5:10 am/pm Quote

I've been wanting to share this information, so glad this topic came up, so I can sit down and figure out all the expenses from our recent trip, and share our financial "planning."

Okay, to pay for our trip:  We refinanced our house! Really!  I had put the FTP on my credit card, because we jumped on it kind of last minute in June--hadn't really planned on a vacation this year. Then we got a letter from our loan officer saying we could really get a good interest rate if we refinanced.  The closing proceeds in addition to not having a payment in September come to almost exactly the same thing as the FTP!  So, that will pay off the card charges. It made me smile a lot to have this happen!  Then we used the $1200 we got from the Child Tax Credit advance and cash set aside from several paydays leading up to the trip (including one of those "extra paydays" you get every year when you're paid every two weeks) to fund the biggest chunk of our expenses while there.  Still used the credit card to pay off the room charges, but have already almost paid that off from savings and today's payday.  One more payday and that's paid off. (Since our house payment will be $200 less each month, it will be easily accomplished--such a blessing! )

Our two older kids earned their spending money over the eight weeks before our trip by babysitting their brother and doing the things we consider jobs around the house (not their regular chores like keeping their rooms clean).  I was generous with the amount they earned for each job, because I knew that a t-shirt was probably going to run them $20 or more, and I wanted them to spend their own money and not ask me for any!  They both came home with cash.  They were allowed $35 per day.

Here's what I budgeted.  Can we be frank?  (I know we can here on the Echo, and I think people should really know what it can cost to vacation at WDW) :

FTP at Poly concierge with limo transfers, Ultimate Park Hopper Passes, and airfare (for five):  $5054 (remember, we had to come from the West Coast to WDW)

Main Meal per day  $150 x 8 = $1200 (charged to room and evenutally credit card)  (ACTUAL MEALS $618.34; other room charges:  Pal Mickey $50, Passport $10.60, E-ride $38.34, Calls $2.25, Room service $33.27, Sitter $78--actually on credit card, Tower of Terror t-shirts because we JUST HAD TO HAVE THEM! $70)  TOTAL ROOM CHARGES:  $900.80

Other food per day $40 x 8 = $320 (ACTUAL $353.86--does not include whatever DH and older kids spent out of their allowance)

Souvenirs and misc. (mom, DS3, and gifts) $80 x 8 = $640 (ACTUAL $605.88 )

Tips & fees (babysitting, cabs, E-ride, strollers) $60 x 8 = $480 (ACTUAL:  $135 tips for food service, valet, limo; $80 housekeeping tips; $40 that I spent on cabs with tips, think DH did some rides, too, where I gave him the cash out of the fee money, maybe another $60); $24 strollers; $70 Never Land; $25 tip to sitter--TOTAL $434)

DD & DS spending money ($35/day for each) $70 x 8 = $560 (I didn't make them keep track, but think DS came home with about $88, DD had about the same, I think--she ended up telling me not to give her the last couple of days' money because she didn't want to carry any more cash on her person--smart girl! )

One day car rental $120 (DH's credit card) (ACTUAL:  a little less cuz they threw in the booster seat! )

DH's daily allowance $40 x 8 = $320  (ACTUAL--who knows!  I didn't ask!  I think I gave him some extra cash from the tips/fees money, too)

I divided all the tips, the food allowance, the souvenir money, the kids spending money, DH's spending money, into daily envelopes by topic. It was a lot of money and a lot of envelopes (which I put in one folder), and I felt like I was carrying Fort Knox with me through the airport, but it was important to me to pay cash for the majority of stuff and I didn't want to be running to the ATM every day.  That's just me, I guess.  Probably wouldn't recommend doing this unless you're a little easy with the credit card, like me.  The in-room safe was invaluable here.  We distributed the money every night or morning for the day--and of course whatever carried over was good for anything we wanted to spend it on.

I have to say, we were REALLY splurging, but I was still under budget in the long run.  Our room charges ended up being "only" $900, and I can only think of one time that I used my credit card instead of cash at a store.  But then, I ended up paying cash for our lunch in St. Augustine, so that probably balances out, because that should've been a "main meal" charge.

One of the rather unexpected expenses, that goes under the souvenir category that I didn't allow enough for, I think, was the various rollercoaster photos and portraits at SOA.  DH used some of his daily allowance for a couple, I think.  They are too precious, so make sure you save some money for those.  ($13.80 for an 8 x 10)

From what I figure we spent $8348.54 on our vacation, roughly $1044 per day; or $209 per person per day.  Good? Bad?  You be the judge.  I was happy with it.  

One thing I don't have on here, though, is the stuff I bought BEFORE the trip like ponchos and fans and batteries, etc., so maybe add another $200 for that stuff--I did some Disney jammies for my son and some other Disney things as surprises to take on the plane--which reminds me, I HAVE to take a picture of those jammies--they have Mickey on a Polynesian surfboard with tikis on them!  They were a perfect find for our trip, and I wished they had them in Tikiman's size because he NEEDS them!
:eyebrow:

I really hope this helps someone in their planning.  I know we got away with a lot less on food than we would have if we hadn't been staying concierge.


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Becky / WebTink
Seize from every moment its unique novelty,
and do not prepare your joys. --Andre Gide

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Ciavobella Offline

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Posted: Aug. 22, 2003 6:06 am/pm Quote

Quote
did some Disney jammies for my son and some other Disney things as surprises to take on the plane--which reminds me, I HAVE to take a picture of those jammies--they have Mickey on a Polynesian surfboard with tikis on them!


Hey Becky,

i just got these yesterday at Disney store for $2.99  :Oo: ! I love them! Perfect for our Poly trip in Oct.  :laugh: .


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Karen / Ciavobella


Sometimes, when you are a Bear of Very Little Brain, and you Think of Things,you find sometimes that a Thing which seemed very Thingish inside you is quite different when it gets out into the open and has other people looking at it.
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WebTink Offline

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Posted: Aug. 24, 2003 2:47 am/pm Quote

Were they these?  They are so Poly it's too funny!



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Becky / WebTink
Seize from every moment its unique novelty,
and do not prepare your joys. --Andre Gide

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disneyn Offline

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Posted: Aug. 24, 2003 3:30 am/pm Quote

Maybe I am frugal or sooo cheap that I always have money left over from every vacation.  My motto on souvenirs after the first few trips was if you really want something from there save your money and go yourself.  Of course I always have to get my only child a gift but he does the same when he goes on vacation :nod: I even had money left over when I went to Hawaii.  Then I recycle the money to the next trip, never using it for anything else.  I save two dollars a day which I seal in envelopes to add to that, have twenty dollars a pay which I add to the family trips and another to the one I take with hubby and lastly I buy scratch tickets which I cash in but only add the cash to the vacation fund, oh and all my change is saved religiously.
A bit obsessive, perhaps, but I go out to eat at every meal, buy the things I want and have some left over so I can do it all over again next year.  Otherwise why work !!!!
This being my first trip to The Poly I am so excited
Disneyn :minnie:


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Disneyn
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rsabridget Offline

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Posted: Aug. 24, 2003 8:10 am/pm Quote

Thanks for all the great suggestions.  I actually had money left over from our 1st trip in May and had to use it for an emergency expense.  I am a bargin shopper to the fulliest and hope to be back at WDW in May 2005.  If not 2006 is only 1 year after. Thanks again everyone. :pixiedust:

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Rhonda / rsabridget
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10 replies since Aug. 22, 2003 7:12 am/pm < Next Oldest | Next Newest >

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