I don't really
save for WDW trips using the envelope system as much as
sort by the envelope system for all trips! Everyone is different, so try it and see if it works for you.
Once my budget is established (and frequently is reworked during the course of saving for the trip), I deposit money into a separate account that is used just for travel. Well, unless there is a major issue with the house, vehicle, etc. You get the picture!
I use TCs for large expenditures not paid in advance: lodging (you can pay in advance, I just don't), rental car, and major meals (i.e., Yachtsman's Steakhouse, etc.). Everything else goes into the envelope system.
I use the following categories:
PHX Ground. That's home. Airport parking, shuttle costs, gratuities, munchies at the airport and a $10 stash for emergencies (flight is late & have to buy water, etc.). Departure & return costs are included.
WDW Ground. This covers all transportation except rental car and airport expenses. I usually rent a car, so it includes tolls, parking at other locations, cost of airport munchies & bottled water on departure day, etc. I include a $20 stash in case the flight is delayed. It happens more frequently at MCO than PHX!
Mousekeeping. I make and stuff my tip envelopes in advance. Bundle them in order with a rubberband and tuck them into the safe. It's easier than fumbling around every day!
Gratuities. This is general gratuities fund. I stash $1 bills in it, to a maximum of $20 prior to leaving, then replenish as I receive $1 bill in change. Restaurants, valet parking, etc.
Laundry. I'm one of those odd people who prefers to do laundry over hauling a lot of clothing! I take a roll of quarters with me. Washers are $2 per load; dryers $2 per 30 minutes at WDW resorts. (Also take my laundry detergent, but that's another thread!)
Food & beverage. This includes my grocery shopping money, as well as other park and resort meals and snacks, except for those covered by TCs. I
leave the money in the envelope and tuck what I need for the day in my wallet the previous evening.
Miscellaneous. This includes souveniers and other non-essentials. It's whatever my budget permits.
Reserve. I always carry extra cash (about $100 to $200) in case of emergencies. Haven't needed it yet, but if I don't have it... You know that story!
I also begin my trip with $50 to $100 in my wallet, usually closer to $50 than $100. I don't like to carry a lot of cash, but invariably need some. What I don't use on one trip goes back into the travel fund for the next one! Another incentive to be a bit frugal!
