Can a cruise be affordable?

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Something to keep in mind about the land/sea package. The land portion includes your room and Ultimate Park Hopper Passes. That may help for comparison when looking into booking your land portion separately. If you can find some other type of discount for your land stay (Disney Club, code discounts - if available next year), you can bring your costs down. Since your youngest child is under the age of 9, you could book at Port Orleans Riverside. They have rooms furnished with two double beds and a trundle bed. The trundle bed is designed to sleep children under the age of 9. If you intend to ONLY visit the parks, you could purchase a 4-day Park Hopper pass and use the remaining day for a future trip.