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View Full Version : Holy Cow! - Disney is making it impossible for me to live like no one else.


summersalt
05-23-2010, 09:34 AM
Free dining and free airline tickets for my 20 year service award. Help me say no!! I have an $1800 snowball that needs to go to Capital One not Disney!!

Rootskate
05-23-2010, 10:08 AM
Even with the free dining and free airline tickets you still end up paying rack rates for the resort + tickets, etc. I know it is tempting, but I think if you added it all up you would be amazed at how much the free airline tickets and free dining will really cost you! :scared1:

mrsklamc
05-23-2010, 10:13 AM
Ok this may sound harsh but you asked for help... DISNEY isn't making you do anything. YOU are responsible for your behaivor.

Disneycrazymom
05-23-2010, 11:00 AM
Oh those Disney Math Skills! They can cause such commotion of the brain.

Disney has offered free dinning for the last few years and most likely will next year too. Can you use your air tickets in 2011? That gives you a whole year to plan (which is fun) and great incentive to "love like no ones else". You would have both the reward of the trip and be so proud of your ability to wait and do it "right".

apnep
05-23-2010, 02:25 PM
I'm with the previous poster. Can you save the air and use it next year? I'm sure they don't expect you to use it immediately. Pay the debt down and then go!

Ang

SandrA9810
05-23-2010, 03:20 PM
I don't think the OP was being entirely seriously with the comment about disney forcing her to do anything. I would say there's a million other places to go with those free airline tickets. Without paying a small fortune to be there. That is if you have to use those tickets this year.

mrsklamc
05-23-2010, 03:28 PM
I don't think she was serious either; but when you're tempted to do somethin not in the budget, a small justification like that can be a huge budget buster.

summersalt
05-23-2010, 03:33 PM
I wasn't serious. I was just "Wishing". :cloud9:

Shanan
05-23-2010, 03:37 PM
I have been given the opportunity to go to WDW 3 different times this year (from Memorial Day to Christmas). I would love love to go BUT DH and I have set financial goals and know that we cannot meet our financial goals if I went just once to WDW this year.

If it helps OP to know that this is what we do - print your financial goals on paper where you can see it (on fridge, on door as you leave to go to work, printed small to keep at your desk when co-workers invite you to go have lunch with them, etc. Having goal of paying off 3 credit cards by December is printed where I can see and it helps keep me on track. Of course some days are easier then others. KWIM

disneysteve
05-23-2010, 04:04 PM
A few years ago, we won a "free" 7-day cruise. By the time we were done, it ended up costing about $3,000. Don't be fooled by all the offers. If you can't truly afford it, don't go. Better to let the free tickets go to waste than to spend money you don't have to use the tickets.

aboveH20
05-23-2010, 08:09 PM
OP, you've launched an interesting topic. It puts into perspective my trying to justify a quick trip to WDW because I have a $75 Southwest credit. I KNOW I can't justify what it will cost so I don't lose the $75, but it still tempts me.

This reminds me of a heated (well, slightly warm) debate we had at a snowy airport when the airline was offering money and flights to people willing to give up their seats. My older son wanted to, my younger one strongly didn't. Although I was tempted to side with my older son, I kept reminding myself that "free" airline tickets for a family of four would be an expensive gift.

mrsklamc
05-23-2010, 08:10 PM
When I am tempted to take advantage of a deal I try to remember these wise words from my DH:

A dozen elephants for a nickel is only a deal if you have a nickel and need a dozen elephants.

Joyful3Heart
05-24-2010, 09:37 AM
A dozen elephants for a nickel is only a deal if you have a nickel and need a dozen elephants.

My new favorite quote ;)

ICF
05-24-2010, 09:48 AM
I dont know your situation, but at somepoint you have to allow yourself to have some FUN.

You cant live you life always planning for the future and saving for this or that, since that future may never come. The only thing we can be sure of is today.

It is good to plan and save but at somepoint you also need to enjoy the present and make good memories with those you love today.

Take a look at your finances and if you can swing it (and not occur new interest bearing debt) then go and have fun and dont worry about what Dave Ramsey would tell you to do.

andrews_dad
05-24-2010, 10:01 AM
A few years ago, we won a "free" 7-day cruise. By the time we were done, it ended up costing about $3,000. Don't be fooled by all the offers. If you can't truly afford it, don't go. Better to let the free tickets go to waste than to spend money you don't have to use the tickets.

OK. I have to know... how did THAT add up?? Flights plus what? Did they get you for port charges and tax, too?

disneysteve
05-24-2010, 10:43 AM
OK. I have to know... how did THAT add up?? Flights plus what? Did they get you for port charges and tax, too?

The free cruise was for 2 people. There are 3 of us, so we had to pay regular fair for DD. Then we needed airfare and ground transportation plus parking at the airport. Port charges and gratuities. Shore excursions, souvenirs, photos, a drink or two.

We also had to pay income tax on the declared value of the prize.

m&m's mom
05-24-2010, 11:12 AM
I dont know your situation, but at somepoint you have to allow yourself to have some FUN.

You cant live you life always planning for the future and saving for this or that, since that future may never come. The only thing we can be sure of is today.

It is good to plan and save but at somepoint you also need to enjoy the present and make good memories with those you love today.

Take a look at your finances and if you can swing it (and not occur new interest bearing debt) then go and have fun and dont worry about what Dave Ramsey would tell you to do.

NO do not! You have worked so hard to get $1800 and have it really make a difference in your debt- don't spend it on something that keeps you further from your goals.
I think everyone here feels like the OP where we just want to do something just because we WANT to but being an adult means DOING the right thing- even if very hard. You will feel so good seeing less debt!

SandrA9810
05-24-2010, 12:18 PM
1800$ isn't that hard to earn again. If it's going to be paid off at the end of the year, that's six months of saving.

Now if she takes six months of savings for a vacation, then that could mean 8 or more months of paying off the credit card.

Next year's free dining will be just as a grand ol time as this year.

Now if you had a bounce back free dining with free airline tickets... That would be a different story cause you'd be getting a major discount on the room, and you could enjoy dining at the resorts instead of in the parks. Well one park ticket, plus three or four night could be the cheapest disney trip yet.

bumbershoot
05-24-2010, 12:19 PM
A dozen elephants for a nickel is only a deal if you have a nickel and need a dozen elephants.

:rotfl:


OP, I'd pay that money to the CC company and then take a look at the disney deal. Or just pretend you've already spent it. And see if the deal is worth the future sacrifice.

I was just in San Diego visiting my brother, not 2 hours from Disneyland. I held back our "snowball" "just in case". We did NOT go to Disneyland. We stayed strong! I'm taking that money to Chase today to put it towards the car (approx 1/4 of the principal we have left, woo!). Paying that money feels SO much better than a short (or long, but the snowball would only fund a short one) trip to Disneyland would have felt (and if you'd told me a year ago that I would say that I would have laughed and laughed).

I'm sure you're already have fun even while saving that...we have a relatively low "fun" fund, but we find more things to do per month with that bit of money than we ever found before with "unlimited" fun money!

ICF
05-24-2010, 12:32 PM
NO do not! You have worked so hard to get $1800 and have it really make a difference in your debt- don't spend it on something that keeps you further from your goals.
I think everyone here feels like the OP where we just want to do something just because we WANT to but being an adult means DOING the right thing- even if very hard. You will feel so good seeing less debt!

perhaps, but you can't live your life always looking at some future date and deprive yourself (family) of any good times or memories today.

There is a fine line between saving saving saving or spending spending spending and the key is to find that balance. You want to be able to enjoy your retirement (so you will need to save), but for many people that time might never come or you might not have your health to enjoy it....and then find yourself wishing you had made some memories when you were younger.

Again...I dont know her situation in terms of age, health or 401K balance...but saving saving saving might not always be the right answer.

Ava
05-24-2010, 12:53 PM
perhaps, but you can't live your life always looking at some future date and deprive yourself (family) of any good times or memories today.

There is a fine line between saving saving saving or spending spending spending and the key is to find that balance. You want to be able to enjoy your retirement (so you will need to save), but for many people that time might never come or you might not have your health to enjoy it....and then find yourself wishing you had made some memories when you were younger.

Again...I dont know her situation in terms of age, health or 401K balance...but saving saving saving might not always be the right answer.
I understand what you're saying, but in the OP's case they have saved that $1800 for a specific purpose - paying down a credit card. If they just had an "extra" $1800 sitting in a savings account not earmarked for anything, by all means they should go to WDW with it! But that's not the case.

OP, I think you will feel so much better about your decision if you use that $1800 to pay down the CC as planned. Once that's done, start a vacation fund for a WDW trip. The "Free" dining promotion is very tempting but as others have said, its by no means free.

If you have to use your free airline tickets this year, do you have any family or friends you could visit to use it?

mrsklamc
05-24-2010, 12:54 PM
perhaps, but you can't live your life always looking at some future date and deprive yourself (family) of any good times or memories today.


Memories and good times do not have to be Disney and can be had much cheaper than $1800.

Maddle
05-24-2010, 01:06 PM
OP - deep breath, maybe sigh a little bit...."put on the big girl panties," and put the $1800 toward the credit card that for which it was intended.

It's tough, but its what grown ups do.

I didn't think you were serious either about Disney forcing you, but I do know temptation. Just turn your back and do what's right.

Maddle

MarilIncredible
05-24-2010, 02:00 PM
Memories and good times do not have to be Disney and can be had much cheaper than $1800.


I am beginning to think this is a truly foreign concept to most of the posters here.

Be strong, OP, and use the money to pay down the cc debt! Also, there are many, many other places to go on vacation, some of which are actually cheaper than DIsney!

DawnM
05-24-2010, 02:08 PM
Wait, what????? There are other places to go on vacation?????

My husband has been saying that for years but I didn't believe him! :lmao:

FWIW: We can't afford free dining any way you slice it....we stay in a condo and eat most of our own meals/food and can do Disney much, much cheaper.

Dawn

I am beginning to think this is a truly foreign concept to most of the posters here.

Be strong, OP, and use the money to pay down the cc debt! Also, there are many, many other places to go on vacation, some of which are actually cheaper than DIsney!

MarilIncredible
05-24-2010, 02:10 PM
Wait, what????? There are other places to go on vacation?????

My husband has been saying that for years but I didn't believe him! :lmao:

FWIW: We can't afford free dining any way you slice it....we stay in a condo and eat most of our own meals/food and can do Disney much, much cheaper.

Dawn

My husband doesn't like Disney as much as I do, so we've gone to places like San Francisco, Charleston & Savannah, and most recently San Diego. We'll probably not go back to Disney until our son is at least 3 or 4 years old.

bumbershoot
05-24-2010, 03:29 PM
...but saving saving saving might not always be the right answer.

But she was saving that for a specific purpose, to pay off things she already bought.

crisi
05-24-2010, 03:49 PM
Wait, what????? There are other places to go on vacation?????

My husband has been saying that for years but I didn't believe him! :lmao:

FWIW: We can't afford free dining any way you slice it....we stay in a condo and eat most of our own meals/food and can do Disney much, much cheaper.

Dawn

Not only that, but get this, all over the world there are people who manage to survive without taking travel type vacations AT ALL! Or take them very infrequently. Like breathatarians who can live without food these people live without vacation!

SunnieRN
05-24-2010, 05:03 PM
When I am tempted to take advantage of a deal I try to remember these wise words from my DH:

A dozen elephants for a nickel is only a deal if you have a nickel and need a dozen elephants.

Unless you can turn around and sell them for a dime. lol, just kidding, I love this and will borrow it often, when I am tempted!!:goodvibes

I do have a serious question however. Why "save" $1800 to pay at one time on a credit card? Why not pay the extra $$ as you go? Is there an advantage to paying a large sum at once vs $200 or $300 at a time? I have two small credit cards, which if I use I pay them off each month.

summersalt
05-24-2010, 05:10 PM
I did it!!!! I just paid the $1800 to the credit card. .

:banana::banana::banana:

bumbershoot
05-24-2010, 06:05 PM
Congrats!

disneysteve
05-24-2010, 06:05 PM
Why "save" $1800 to pay at one time on a credit card? Why not pay the extra $$ as you go? Is there an advantage to paying a large sum at once vs $200 or $300 at a time?
No. In fact, it is better to pay as soon as you have the money. The longer you wait, the more interest accumulates.
I did it!!!! I just paid the $1800 to the credit card.

That's great! You will never regret the decision to become debt free.

disneymom3
05-24-2010, 06:24 PM
I did it!!!! I just paid the $1800 to the credit card. .

:banana::banana::banana:
Good job!!! Temptation gone! Oh, I bet that feels good!
Memories and good times do not have to be Disney and can be had much cheaper than $1800.
That is the one thing that drives me crazy around here. Yes, we all love WDW but come on....went camping this weekend for three days. The site cost us $45 and we ate for cheaper than we do at home. (My children are certain that one should only eat hotdogs and marshmallows while camping. :rotfl:) We had a GREAT time and made tons of memories.
1800$ isn't that hard to earn again. If it's going to be paid off at the end of the year, that's six months of saving.

Now if she takes six months of savings for a vacation, then that could mean 8 or more months of paying off the credit card.

Next year's free dining will be just as a grand ol time as this year.

Now if you had a bounce back free dining with free airline tickets... That would be a different story cause you'd be getting a major discount on the room, and you could enjoy dining at the resorts instead of in the parks. Well one park ticket, plus three or four night could be the cheapest disney trip yet.
I don't get what you are saying here at all, however, I have to say that IMO $1800 EXTRA to pay down debt or anything else can take a LONG time to coem up with. Maybe some people have an extra $300 a month for whatever they want, but my budget sure doesn't work that way!

hugApug
05-24-2010, 06:28 PM
I did it!!!! I just paid the $1800 to the credit card. .

:banana::banana::banana:

Congratulations! It's always painful at first to see that much money disappear from your bank account, but it makes your next vacation that much easier! It's nice to not have a large CC balance hanging over your head during a Disney trip. :thumbsup2

aboveH20
05-24-2010, 06:55 PM
When I am tempted to take advantage of a deal I try to remember these wise words from my DH:

A dozen elephants for a nickel is only a deal if you have a nickel and need a dozen elephants.

I gotta remember that one! :laughing:

englishteacha
05-24-2010, 07:54 PM
I'm proud of you!! Celebrate with something free!

Whistle
05-24-2010, 08:21 PM
Great job!

SunnieRN
05-24-2010, 09:14 PM
I did it!!!! I just paid the $1800 to the credit card. .

:banana::banana::banana:

Congratulations!!!:goodvibes

Disneysteve, that's what I thought, but wasn't sure why anyone would do it the opposite way?

SandrA9810
05-24-2010, 09:14 PM
I don't get what you are saying here at all, however, I have to say that IMO $1800 EXTRA to pay down debt or anything else can take a LONG time to coem up with. Maybe some people have an extra $300 a month for whatever they want, but my budget sure doesn't work that way!

Neither does mine. But the OP said there's 1800$ left, and will be paid at the end of the year. So I'm assuming that they were throwing every extra bit at the debt. So that would be an extra 300$ a month to the debt.

After the debt is paid off, that 300$ a month payment could be used towards 2011's free dining offer.
Sorry I really don't know how else to put it...

But congrats to the OP for sending that money to the CC... Disney will always be there.

lorac4disney
05-25-2010, 07:36 AM
Congrats!

Living debt free is FREEING!

mott
05-25-2010, 08:05 AM
Way to go! It might be hard to see now, but you will be happy later when all the snowballs are gone!

summersalt
05-25-2010, 09:43 AM
Oh yes, it feels good! We've been paying debt off left and right. Since February, we've paid off 5 bills. We've got $1100 more left on the visa and then $6500 on my DH motorcycle. After these two are paid off, we can start our vacation fund back up. I'm hoping my employer will left me carry over the free tickets for next year. If not, that's ok. It's just too important for us to pay off debt right now. We're too close to stop now!... Being debt free is going to feel so wonderful.