You all seem so great at budgeting. I have taken many tips away from this board. My favorite so far was to set aside envelopes and put a certain amount in them each week for Disney! My ? is - what are the benefits of a annual pass? I went to WDW and Cruise last Oct and we are now going to WDW only for 8 days in August. Would this AP have benefited my family. I have the Disney Visa (which isnt so great) and also received the 7 for 5 deal thru AllEarsNet. (wonderful travel agency). Does the AP save you on cruise prices also? Thanks so much for any suggestions....