We used most of our TS for dinner with a couple of Character breakfast thrown in. Then for breakfast and lunch, we would get 2 CS and split them between the four of us. If it was not enough to fill us up we would use snack credits to add something to the meal or pay out of pocket for something extra. We figured with so much food at dinner we could get away with eating lighter throughout the day. The only time this was a problem was if someone didn't want the same thing as another person in our party. (Mom logic came into play then. we don't all eat different things at home every meal) Most times we could all agree on something. We actually ended up with left over credits so if you plan on paying out of pocket I would wait until you're sure all of your credits are gone.