We live within an easy day's drive to WDW, have three small kids, love WDW, and have family all over central Florida, so we are in the area often. We are on a very tight budget right now, but we have found ways to go to Disney and not go into debt.
1.
We have started staying off site. It's much more comfortable for my family of five and there are great deals on condos that are ridiculously close to the parks. Since we already drive down, we don't have to deal with rental cars. We usually eat breakfast at the condo for about $3 each, go to a park at rope drop, hit big attractions, come back for a big lunch, swimming and naps, then back to the parks for dinner at a counter service place, window shopping, smaller attractions, parades and fireworks.
2.
We buy 10 day no-expire PH, WP&M ticket each time one runs out. . This hedges against future price hikes. We can get 3-4 trips out of each one. My brother works for a company that is a major sponsor at Disney and he gets a 25% off Friends and Family discount on tickets, that is a huge $$ saver. Check around and see if anyone you know is eligible.
3.
We really limit our kids' spending while there. They really don't need another Mickey figurine, T-shirt, toy, etc. If we have big trip coming up, I will look through the
Disney store sales and buy them shirts for our trip and surprise them with them once we are there. The dollar store also has some Disney themed merchandise from time to time and I will buy and put that stuff away for trips as well. My kids do receive allowances and if they want to use their $$ for souvenirs they may, but they don't get money from me!
4.
In a week's trip, we may only go to the parks 3-4 times (that's how we get 3-4 trips out of each 10 ticket!). We find that our kids can't do more than two days in a row of the parks, and once they get tired and stop having fun, the whining begins and the good times end. On our off days we find lots of free and inexpensive things to do: We ride the monorails, ride the resort launches, the boats between Epcot and the Studioes, go to the Boardwalk, explore resorts, swim, go to the Marketplace to window shop, people watch and play at the
Lego store. Since we have the WP&M feature, we also go to the waterparks, play mini golf and can visit Disney Quest. There are so many things to do there and sometimes our off days are more fun than our park days!
My husband had a trade show over the weekend at an amazing off site resort. My boys and I tagged along. We didn't even step foot inside the parks and my kids still had an awesome time at Disney! Here is what we did:
Slept in
ate breakfast
went for a long swim in the pool
lunch/explored resort
rest
went over to WDW, rode the monorails (the resort and Epcot, and got a ride up front)
ate dinner at Gasparilla's at the GF. For a pizza, three kids meals, desserts and drinks we spent less than $40. We ate outside with a view of the castle and the monrails. We were able to watch the water show on the lagoon, and then watched "Wishes" from our seats. The music was piped in (could've been a little louder!)
I am not saying to skip the parks, but there are ways to enjoy Disney and all it has to offer without going into the parks each day. Disney can be a bargain if you put some thought into how to use your time and money