If it makes you feel better, I think this happens to a lot of people.

In fact, I'd heard about it so much that I spent most of my planning session demanding to know the prices of everything we talked about so I wouldn't get sticker shock later.
Prices for many elements change all the time, which is why they can't guarantee any pricing until 6 months from your date and may help explain why your quotes differ from those of brides who may have been given pricing months earlier. The other thing that increases prices is time of year - they can double during certain holidays. Is your event near Thanksgiving?
At any rate, there are many ways to save money on a Disney wedding, and we can all chip in our ideas. A lot of it depends on setting priorities and making tradeoffs. See if you can brainstorm your top 3 most important elements (maybe that would be photography, food, music) and 3 least important elements (maybe that would be floral, transportation, and video) and budget accordingly.
Here are some money-saving ideas I've brainstormed - not all of them may be applicable, but it's a start...
Major things:
- Fewer guests
- Move event before 2pm
- Shorten reception
- Pick a reception venue that doesn't need as much decoration (ie, not a ballroom)
- Brunch instead of dinner
- Use rehearsal dinner menus instead of reception dinner menus
- Don't serve alcohol
- Cut down (or cut out) floral: altarpieces, centerpieces, smaller bouquets or rose wands for attendants
- Move ceremony floral to reception (if move fee is less than separate floral for reception)
- Use outside vendors for photography and videography
Smaller things:
- Use items from the dinner/lunch/brunch buffet as your pre-reception food instead of ordering extra
- Serve half glasses of Champagne for toast or eliminate Champagne toast all together and toast with drinks in hand
- Chair covers instead of chiavari chairs
- Provide less transportation for guests
- Ride your charter bus to the ceremony site before it picks up your guests instead of having a limo/Rolls/etc.
- Eliminate chargers under the plates, gobos on the walls, and other things no one will remember