is a great thing but can have disappointments, especially if you want to go to WDW. I have had 3 chances to go to WDW this year with friends & family. On Memorial Day, 1st week in December and now another chance to meet up with family over Christmas this year. When asked to 'let's go to WDW', 'we are going on...you ought to meet up with us', etc. I take a deep breath and smile and say the phrase that has become so familiar to me...I would love to go but right now DH & I are working on some financial goals and it is not the best time for us to go to WDW. Would love to go with you another time. Of course everyone understands but....3 times in one year... and we are not going BUT I do keep thinking about long term goals. I know that there are others out there that also make the responsible choices. So keep on trucking along with your good choices if it is not going shopping today or working on your budget.