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mommyof3princess27
07-24-2011, 03:17 PM
How do you save? If you dont mind me asking, how muh a week do you save?
Just trying to figur out how to 'budget' for this trip! :goodvibes

DawnM
07-24-2011, 03:32 PM
How much is your trip going to cost you?

How long do you have to save?

There is no way to answer without more details.

Dawn

kydisneyfans
07-24-2011, 03:39 PM
Build up points on credit cards buying everything we use-then redeeming the points. We get nearly $1,000 a year without paying a dime in interest.

Build up rewards points on our Speedy Rewards card at Speedway, we have another $100 gift card to redeem for our initial fillup and our return fill once home.

Use the 2 "extra" pays a year toward vacations. There are 26 pays with a typical 2 week pay period.

Our trip is paid in full.

DawnM
07-24-2011, 04:20 PM
1000 points per year? Are these 1% points?

Dawn

Build up points on credit cards buying everything we use-then redeeming the points. We get nearly $1,000 a year without paying a dime in interest.

Build up rewards points on our Speedy Rewards card at Speedway, we have another $100 gift card to redeem for our initial fillup and our return fill once home.

Use the 2 "extra" pays a year toward vacations. There are 26 pays with a typical 2 week pay period.

Our trip is paid in full.

JCMHutch
07-24-2011, 06:17 PM
I do three things every year:


I put aside a set amount aside from each check. I have direct deposit so the "Disney" money goes right into its own account
DH & put everything we can on our Disney Visa and then pay it off every month. This has given us almost $300 so far for our next trip
I always ask for Disney gift cards for my birthday and Christmas (that's all I ask for).

mommyof3princess27
07-24-2011, 07:01 PM
We hav til next november-a nice looong time lol but is 1 year 3 months and 3 weeks......and we are going for 8 days 7 nights@POR

akayek31
07-24-2011, 07:10 PM
Well I have two ways to save. In 2009 I used my tax return to pay and then saved up the rest that I was going to use for spending money and food. It was the buy 4 get 3 that year. I got the $75 gift card for my birthday. I signed up for coupons from a lot of restaurants since it was my birthday and got free dinners at Tony Romas to name one. I also had a huge coke bottle bank and saved change. I am doing this also for our September trip. I also went to the Disney store and got a re-loadable gift card and have put money on that for tips, souvenirs, and other room charges.

Shelly F - Ohio
07-24-2011, 07:18 PM
Me and Hubby each have $30 a payday direct deposited to a savings acct that we only use for vacations. We also save our pocket change in a jar. We use our Disney visa to make purchases and use the rewards points for our trip. We fly on a Tue or Wed when flights are cheaper.

When we get our tax return back we put $500 to $700 into the vacation acct also.

We also bought a DVC timeshare and everytime we book a vacation I also go and price the same vacation as if we were paying cash and we would have spent $19,000 if we would have had to pay cash for our vacation. The cost of DVC was just $12,000.

tolemommy
07-24-2011, 07:39 PM
I do a couple of things to help saving for my next Disney vacation.

~ I total up the entire cost of the trip from airfare to snacks in the park. Once I have my trip total I divide it by the number of months I have until we leave. For instance if I need to save $2000 and I have 15 months left. 2000/15 = $133.00 a month.

~ This gives me a target $ amount I need to save every month. I budget this amount into our monthly family budget and cut back in other areas so I can save this amount. This means eating out less, packing my work lunches, shopping sales, thinking twice/three times before I make purchases, Redbox DVD rentals vs going to the movies, and it is worth it to me.

~ My Disney/Vacation savings account is separate from my other savings account, their isn't a debit card attached to this acct, makes it harder for me to access if I have to physically go to the bank... :laughing:

~Coin change jar as well.

Currently working on 2013 DC trip total that I need to start saving for... :scared1:

mirage0306
07-24-2011, 07:44 PM
1. We use our Disney Visa for just about everything and will transfer the dream rewards dollars to a gift card before we go.

2. I have a set amount of money that is transferred to savings biweekly

3. We also have a coin jar where we put all our change.

4. I ask myself before I buy anything, "What do I want more, this item or a vacation to Disney?" It does help me spend less discretionary income.

amberdburke
07-24-2011, 08:32 PM
If you click on my PTR link below, I have a big section on earning free gift cards that I apply to my Disney trips.

Basically, each week I deposit any extra $ into a savings account. I don't have a debit card, so I never take any $ out.

We don't take any other trips during the year. Even local one or two night trips have been taken away. We skipped going to a local theme park this year so we could go to Disney. Basically, I view everything in light of our trip, and then decided if I "need" to buy it or do it after that.

Believe me, if we can save for a trip, anyone can....my DH is the only one working, and he is a car salesman, so we are never guaranteed anything. We have been so blessed to be able to pay our bills, our insurance, etc. and still have extra for our vacation. :thumbsup2

famsen
07-24-2011, 08:38 PM
The two things I have been doing this past year:

I do freelance work working wine tastings on the weekends and take the money from those checks which are $80 for each job and go right out and purchase Disney Gift Cards.

I also signed up with Sunshine Rewards which has been by far the fastest and easiest way to build up my Disney funds. I've been able to earn nearly $500 in Disney Gift Cards since the beginning of April with them.
I spend a short time each day taking online surveys and earn bonus money for shopping and using coupons through the Sunshine Rewards website.

My extra efforts this year have earned me a total of $900 in Disney Gift cards so far for our family trip in September. I am so looking forward to giving my family a great time with some splurging! :lovestruc

StitchandPooh'sMom
07-24-2011, 08:57 PM
To save for Disney, we:

1. Have a vacation budget - money is taken out of DH's check into a separate account.

2. Use the Disney Visa for everything we can, and pay it off each month.

3. Save all our change, rebate checks, etc. in a Disney popcorn bucket.

4. I am a member of Sunshine Rewards and earn Disney gift cards by taking surveys and doing my shopping online when I can. I earn about $600 per year at Sunshine Rewards, and I cash out for Disney gift cards.

budafam
07-24-2011, 10:06 PM
We have 2 credit cards that we switch between. One right now is offering 5% cash back on gas for 3 months so we're using that strictly for gas. Our other one is Disney. We pay them off every month so they make no money off of us but we make some off of them :) I also have an envelope on the counter and whenever we sell anything on Craigslist or have any extra food/gas money leftover from the week - it goes in there. We also have a change jar. We rely on our tax returns for vacation but this way, we should have some to go towards it next year to help out a bit (we're also hoping to purchase central air for our home next summer so that will be a big expense). DH has a separate savings account that has just been sitting there and not getting used so I put all of our Disney funds in there to keep them separated and that way we're not tempted to touch it.

mollymar
07-24-2011, 10:08 PM
For those of you who do Sunshine Rewards how do you get so much money so fast? I have been using them since May and only have about $18.00. I just seem to never qualify for the surveys. I've had good luck with Opinion Outpost though.

saradela
07-25-2011, 12:46 AM
I save $200 houndred dollars every fifteen days or $400 a month:)

StitchandPooh'sMom
07-25-2011, 06:02 AM
For those of you who do Sunshine Rewards how do you get so much money so fast? I have been using them since May and only have about $18.00. I just seem to never qualify for the surveys. I've had good luck with Opinion Outpost though.

Qualifying for surveys depends on demographics and persistence. I know some members get 8-9 surveys every day, which adds about $5 per day to their account. I strive for three per day, which earns me about $2. It usually takes multiple tries for me, but I can almost always get the Greenfield, Surveyhead and SSI survey each day, and if I have time, I try the others. Weekends and Monday mornings are more challenging since the survey companies don't usually add any new surveys during that time.

Some of the survey companies occasionally route to an Opinion Outpost survey, so you might need to click out of those since you are a member there. If that happens, you can go right back in to see if they have another survey. You can keep trying until you get one.

If you are not a member of the Sunshine Rewards forum, you should check it out. There are a lot of tips there to maximize earnings. I didn't earn very much my first few months - it takes a little while to figure it all out, but the forum is very helpful.

mom_of_3_mousketeers
07-25-2011, 08:21 AM
I do a couple of things to help saving for my next Disney vacation.

~ I total up the entire cost of the trip from airfare to snacks in the park. Once I have my trip total I divide it by the number of months I have until we leave. For instance if I need to save $2000 and I have 15 months left. 2000/15 = $133.00 a month.

~ This gives me a target $ amount I need to save every month. I budget this amount into our monthly family budget and cut back in other areas so I can save this amount. This means eating out less, packing my work lunches, shopping sales, thinking twice/three times before I make purchases, Redbox DVD rentals vs going to the movies, and it is worth it to me.

~ My Disney/Vacation savings account is separate from my other savings account, their isn't a debit card attached to this acct, makes it harder for me to access if I have to physically go to the bank... :laughing:

~Coin change jar as well.

Currently working on 2013 DC trip total that I need to start saving for... :scared1:

I am doing the same as this poster. We have a set mount we pay into our separate savings account every 2 weeks. I have a budget for everything so if I go lower than budget, it goes into the savings account. When we have 3 pay periods in a month, the extra goes into the savings.

We save change and dollar bills that we keep in a change jar. Also, when I need to purchase something online, our bank has a Perks Point Mall....we get 5pts for every $1 purchased. I have been collecting and will "cash out" the points for Visa or MasterCard gift cards 2 months before our vacation because they need to be used up within 6 months. Right now I can get 3 gc's. I am hoping for at least 1 for each of us before our trip. Not bad perks!

MacFam4
07-25-2011, 09:44 AM
We started using our Disney Visa for everything that we would normally use our debit card for and pay it off every month. I have enough money in rewards points to pay for food and souvenirs for my Nov trip with my DS. Some years we use our income tax refund and pay for most of the trip. Some years I plan a year in advance and treat the vacation like a bill, putting aside a certain amount of money each month. This year, since it is just DS and myself, I wanted to save the money myself (I don't work), so I have my disney dollars, plus any birthday/Christmas money that I received. I have been selling items on bookoo.com and saving that money. I am about to go sell some of my old gold to add to the fund (I got this idea off of the budget board...no reason to keep that old stuff that I never wear when it can go to a disney trip)! I have almost everything I need already, and I still have 3 months to go :thumbsup2

monorailsilver
07-25-2011, 10:31 AM
My trip isn't until 2013 so I still have 2 years & about 3 weeks to save (going in August).

My goal is around $6000, give or take which will include air, resort, park tickets & food.

So far I have the air covered with FF miles assuming Delta doesn't go out of business!!!

If my dh can manage a few more work trips which is why he had FF miles, then I can get at least one night free at any hotel/anywhere via his Holiday Inn points. So that would take care of at least one night of the 8-10 I want to stay.

I do Quick Rewards and have $150 so far which may not be much but it is still something. I have been earning more this year then the past few years because I am trying to do some survey's. I maybe get 2 or 3 a week (I try & if I don't qualify I don't keep trying). But I do all the daily clicks & emails.

I do Sunshine rewards but not so much anymore since I have been focusing on QR. I just do the daily scratch off & if a paid email comes I do that but those are rare. Once I get to $25 I will cash out & be done there. But I still have about $15-$20 more to go.

I do Inbox Dollars.

I do My Survey but those I have been using to cash out for Amazon for Christmas.

I do Swagbucks also for Amazon GC's.

I did notice that I can buy Disney GC's on Amazon but they cost more & I am not quite sure if I want to do that but since it would all be 'free' money I might end up doing that in the next year or so.

My dh has a new hobby, he is cashing in metal for $$$. He just started it this past June so he has been putting in all his $$$ in the Disney fund but I need to take it out for our trip in a few weeks but after that it is all Disney fund money.

Oh & I have the Disney Visa.

So my goals are:

Airfare-FF miles-done

Park Hopper tickets-dh's metal fund. We are a family of 5 so I will need roughly $1500 which is possible.

Room-Disney Visa, QR (etsc) & any change my kids find laying around goes in there. So far with current rates & no discounts (AAA, pin, etc..) I have one night taken care of.

eliza61
07-25-2011, 01:30 PM
We hav til next november-a nice looong time lol but is 1 year 3 months and 3 weeks......and we are going for 8 days 7 nights@POR

Basically we get a budget. First we always go to the exteme luxury route and then after we pick ourselves up from laughing so hard we start to make our choices and then set a goal.
we pick
resort
travel (fly or drive)
tickets type
food budget

After we assign a dollar amount to each category we pretty much decide how much biweekly we have to save to reach our goal.

mrssmith06
07-25-2011, 01:38 PM
We have a small amount direct deposited into an account every month and then whenever there is extra (from overtime pay, Consignment sales, money saved from using coupons, etc) then we deposit that into savings as well. I also use MyPoints - So on our recent trip I had gift cards that paid for our lunch on the road as well as helped purchase some of the clothing we took with us. :)

jenny105
07-25-2011, 02:54 PM
I have a separate savings account through ING that gets a small portion of my paycheck every two weeks via direct deposit.

I also have jars that I throw spare change and loose bills into and deposit them into that account every month. Anything I have left over from gas money, lunch money, etc also goes into my Disney fund.

I'm also a member of My Survey and E-Bates. You get points for every survey taken on My Survey that you can cash in for a $10, $15, or $20 deposit into your paypal account. E-Bates gives you cash back for shopping so whenever I do have something to buy, I go through them!

There's no set amount I aim for each week. I decided on the amount I wanted to save and am working toward it little by little.

jldixon62
07-25-2011, 05:11 PM
I'm not the best saver, so I tend to book the package and pay on it monthly like a bill. I do the surveys to get gift cards and save them for a little pre trip shopping and I do save most of my travel reimbursement checks for the airfare and spending money.

famsen
07-25-2011, 06:36 PM
Qualifying for surveys depends on demographics and persistence. I know some members get 8-9 surveys every day, which adds about $5 per day to their account. I strive for three per day, which earns me about $2. It usually takes multiple tries for me, but I can almost always get the Greenfield, Surveyhead and SSI survey each day, and if I have time, I try the others. Weekends and Monday mornings are more challenging since the survey companies don't usually add any new surveys during that time.

Some of the survey companies occasionally route to an Opinion Outpost survey, so you might need to click out of those since you are a member there. If that happens, you can go right back in to see if they have another survey. You can keep trying until you get one.

If you are not a member of the Sunshine Rewards forum, you should check it out. There are a lot of tips there to maximize earnings. I didn't earn very much my first few months - it takes a little while to figure it all out, but the forum is very helpful.

I can say that I try for at least $3.00 every day through Sunshine Rewards surveys. Some days I get more, some days less.
At first I thought it would never add up to anything but here it is almost 4 months after I signed up with them and I have nearly $500 in Disney gift cards from them. It also helps to use them to link to shopping sites that you are going to go to anyway such as Disney.com. You get a percentage of your order in credits! I am thrilled to have found them.

mollymar
07-25-2011, 07:06 PM
Qualifying for surveys depends on demographics and persistence. I know some members get 8-9 surveys every day, which adds about $5 per day to their account. I strive for three per day, which earns me about $2. It usually takes multiple tries for me, but I can almost always get the Greenfield, Surveyhead and SSI survey each day, and if I have time, I try the others. Weekends and Monday mornings are more challenging since the survey companies don't usually add any new surveys during that time.

Some of the survey companies occasionally route to an Opinion Outpost survey, so you might need to click out of those since you are a member there. If that happens, you can go right back in to see if they have another survey. You can keep trying until you get one.

If you are not a member of the Sunshine Rewards forum, you should check it out. There are a lot of tips there to maximize earnings. I didn't earn very much my first few months - it takes a little while to figure it all out, but the forum is very helpful.

Thanks so much!! I'll check out the forum.

Whistle
07-27-2011, 10:03 AM
I have a huge coin bucket and all spare change goes into that! I recently read about someone who does the same thing with one dollar bills (and have recently started that as well).

I also have a thing set up with my debit card where each time I use it, puts $1.00 into a separate savings account (I make sure to add it in when balancing)-- I have saved over $180.00 without even "trying" that way.

All money from yard sales or consignment sales go into our "disney bucket"--

kristenrice
07-27-2011, 11:18 AM
In April 2010, I used up all of my accumulated rewards for our Easter trip to WDW. This "reset" my earnings to zero as of February 28, 2010.

From February 28, 2010 until February 28, 2011, I was able to accumulate enough "free" money to pay for our ENTIRE spring break trip to Hilton Head Island!

Here's a summary of what I acquired in 1 year...

**$500 in AMEX Blue Sky rewards (paid for one night at Residence Inn on the way home and $400 in resort charges at HHI including bike rental, dolphin tour, kayak trip, refillable mugs, Kids Nite Out, 2 community hall activities and multiple adult beverages)
**$150 in Disney Visa Rewards (added to the $400 AMEX rewards to cover the remaining room charge, and also bought a few souvenirs for the kids)
**$150 in Marriott Gift Cards earned from MyPoints (paid for 2 nights at the Fairfield Inn in Gatlinburg, TN on the way to HHI)
**$25 Discover Card Gift Card (used towards groceries at Wal-Mart)
**$10 Wal-Mart gift card (reward for an online survey that I took, used towards groceries)
**$40 Visa gift card that was a black Friday rebate from my Norton purchase (used towards groceries)
**$50 TGI Fridays gift card (earned from Sunshine Rewards, used towards dinner in Gatlinburg, TN)
**$700 in Sunshine Rewards (I put this in my PayPal account and used the PayPal debit card to pay for the gas in the truck and all of our other expenses, like food on the road, a wagon ride at the GSM National Park and dinner out at HHI)

What a great feeling it was to take our family of 4 on an 8-night vacation without having to touch our bank account:yay:. We did not deprive ourselves either, as you can see. We could have opted to spend a lot in Gatlinburg, but the kids loved the national park and we ended up spending the entire day in Cades Cove.

I will add that we are DVC owners so having a 1BR villa at HHI for 5 nights helped with the budgeting for this trip. I'm looking forward to our next trip in 2013 and I'm going to start saving now. I'd love to do another "free" trip:goodvibes!

bookgirl
07-27-2011, 11:55 AM
I don't spend change, there's $300 in my WDW popcorn bucket right now.

Also I take any extra money or left overs from my paycheck and put them imediatley in a seperate place. Out of sight is out of mind. I usually divide it between a few different saving goals (new tv, trips, household upgrades, emergency fund, etc) some is in my official savings account for emergency access, some in my deposit box for long term use, some at home in cash for quick needs or current spending).

The trick is to assign money to go certain 'places' and to leave it there. Check out money envelope systems or excel spreadsheets. If you know where you're money IS and where it GOES it's much easier to save.

Empress
07-27-2011, 12:26 PM
The way I'm doing it is:

1. Subtract my bills, gas and grocery and see what I have left for the pay period in incidental spending money. From that, I determine how much I can spare and still get through til next payday. i.e non mortgage pay periods I put in 100.00, mortgage pay periods I only put in 20.00.
It's slow going, but the fund is growing.

2. Any time I have everything I need and I see money in the account, I transfer 10 or 15 into the disney acct.

3. SPARE CHANGE--- I have collected 90.00 just by going through the couch, under the beds, in the drawers, in the cars, through my purse, my hubby's pockets on a regular basis... you'd be amazed how much it adds up.

Cin
07-27-2011, 12:29 PM
I have a vacation savings account set up at the credit union and part of my paycheck goes straight into that. And then everyone knows I save every penny I get for Disney I have a large "cat" piggy bank for change, (even hubby puts his change into the cat bank (but I've seen him take out too for pizza delivery tip) but back to the topic, ... so I save all birthday money, Christmas money, and a portion of the tax return for my Disney trip. I can't take a trip as often as I'd like because life and life expenses get in the way, but it's how I try to put back for my magical trips.

crisi
07-27-2011, 01:10 PM
I transfer money into my savings account monthly for large short term expenses like vacations, or a new driveway, or a new car. Long term expenses (college, retirement) have special accounts.

Tinkerbellie16
07-27-2011, 01:32 PM
We have the kids accounts that they save for their trip (we make them pay for their portion of the trip) and our own savings accounts that are for vacations and other extras. After paying everything off each month (all bills) and setting aside money for retirement (15% of our gross income into 401k, IRA, and Roth IRAs), we put the rest into our savings accounts and distribute it as follows - 25% in kids accounts, 25% in our savings accounts, & 50% in our high interest online account (but that is our emergency fund).

And we also use any extra credit card points and dollars, gifts we receive during the year, hotel and air points, etc. toward our vacation. We also keep an eye out on any vacation deals we can find - airfare, hotels, etc. Based on what we have and can afford, then we choose the right vacation for us.

susan730
07-27-2011, 01:35 PM
Decide the cost of the trip and figure out how many weeks you have until you leave. Make sure that much money gets put away every week. Also, begin a change bucket for everyone to deposit their extra change into. This can add up quickly and be used toward souveniers. Have a great time!

rainyday77
07-27-2011, 08:05 PM
- I have an automatic transfer of $300 a month into our holiday account
- we collect spare change and deposit it a few times a year
- if dollar bills have been sitting in the house for a few weeks I throw them into the piggy bank as well.
- we get between .5 and .25 cents for recycling pop bottles and milk containers in Canada so this goes into the fund
- the odd items I sell online goes into this fund (baby items)
- we get money for Christmas from my parents which goes towards our flights
- this year we plan to cut back on Christmas gifts as our toy room is already overflowing. We are also asking the grandparents to cut back on the toys they buy the girls and give them a bit of money instead to go towards their park passes or gifts to buy at the parks
- we book a good neighbour hotel across the street from Disneyland to save on hotel costs as the Disney hotels are outrageously priced!
- I find it easier to save money once we have a plan to go to Disneyland as this helps motivate me to spend less!