We usually go at Christmas time and this past Christmas stayed at the Polynesian. I always bring decorations from home to make the room feel Christmasy. Things like a small artificial pre-lit tree. No real setup... just out of the box and plug in! Then I hang a wreath somewhere, usually the back of the door using one of those suction cups that lock in place. A little garland goes around the mirror in the bathroom with lights and you have an instant night light!
To save money: #1 Hotel Cost: stay offsite, but nearby. Stay in a room that pleases you and does not make you wish you'd spent the extra money for a nicer hotel.
#2) Breakfast: Eat in the room. Most hotels offer a coffee maker, bring your own coffee and condiments as needed. A toaster can make some nice english muffins. Spread with jelly, peanut butter, butter, or a slice of cheese. I have brought a waffle maker and gotten the Bisquick pancake mix that you add water and shake. Add a little butter and syrup and voila! Breakfast. Juice and milk will keep nicely in your cooler during the day, if you ice it down before leaving.
#3) Lunch: Use vouchers and share meals. Best deals are at Beaches & Cream (YC/BC) and Tangierine Cafe (morocco in Epcot). Pepper Market at Coronado Springs is also a very good option.
#4) Souvenirs: Purchase in advance at DS outlets or clearance sales.
#5) Drinks: Bring your own Bottled water. If your room has a refrigerator keep stocked. Do not order sodas at meals. This will easily add $10 or more to your bill.
I'll let someone else chime in now! Hope these help and have fun!