I know many people pay off their room ahead of time and that is my strategy this trip. About a month and half before we go I am charging the balance due on my Disney credit card so I can get those points in time for our trip. If I get any room discounts, like AP (I hope, I hope) we will leave that as a credit on our account for dining, spa treatments, etc. This is this first time I have done anything like this and I am hoping the logistics work for us. We will get more in Disney rewards than we would in interest in our vacation savings account.