Momofsixinsc-
If you are looking to save money then I think you really will save by staying at fort wilderness camp ground, I know at first look camping outside looks like half the price, but remember you will have to pay for parking, so that $20 a night now becomes $35 a night as parking is $14 each day.
Then you need to add gas, now if you stay on site no parking fee, no gas will be used as you will be at Disney.
Now the biggest saving is the fact that food will be cheaper, as all your meal can be made by you at the camp ground.
So it may look cheaper else where, but in the end I think you can see that staying on site will really save you in the long run.
Your children will enjoy themselves, I know as I have stayed at the cabins at fort wilderness. Like others have told you about the pool, movies, sing along, bring along your fishing poles as you kids will have fun fishing.
You can spend some time walking around boardwalk at night they have entertainment, also downtown Disney.
Don't feel bad that you don't have a tons of money and you need to at least watch how you spend your husband hard earned money, I know how that is, and I'm sure other have done the same as you.
I don't need to convince you, I only need to show you where your money is going, I don't want to see you spend more money and have to travel an hour away, when in the end it only will save you $3 night or cost you more because you will be paying for meals at the park or resort.
Believe me kids don't care what you spend, they only care that they are having fun, and at Disney Fort Wilderness I know they will get what they want. I don't even think they will miss the park, as there is so much to do at the fort.
Every dime you spend will be worth it.