We actually DO save money.
We were going every year to every 2nd year.
We were staying offsite, but in a "suite" hotel or 2 rooms at a regular hotel. (At a certain age, kids are just too big to share a room with us and be comfortable - it IS my vacation).
We aren't going any more often (well, except for the Food & Wine fest, does that count?

)
We have enough frequent flyer that we haven't bought a plane ticket in 4 years (thank you, Southwest)
We eat at least one good meal in the room each day, plus we can salvage leftovers when we do eat in WDW restaurants.
Since we know we're going back, we've learned to enjoy the hotel (DVC hotels give you something to enjoy!), resort hopping, and truly relaxing.
Since we go every year, we don't feel the compulsion to buy "stuff" (t shirts, souvenirs, etc) every time we're there.
.. and once the economy picks up and the hotel room prices start going up again (and you know they will), we will save money as our room costs are fixed.