Can we get a few more details please?
Specific dates that you are available or are you flexible?
What are the must haves...dining vs. non dining, have to stay at the same resort, length of stay, preference of travel - fly/drive...
Going on what you have posted and the basics that Disney tends to run some kind of special end of August/Sept/October I would shoot for that time frame. Work it into the value season as rates will be better. Basic info - Aug 21 - Aug 28 at POR regular room 2 adults, 3 children with 5 day hopper passes comes in just shy of $3500 with dining plan (would go down to $2400 if
free dining promo ran again) - would still need to book flights but closer to your 3k budget without any discounts yet - so it is definitely within reach. I would book early to lock in at least your basic price and make nec. changes later when the real deals start coming out. Remember you can change your reservation up to the 45 day out payoff day. I feel that by booking it early and making payments it doesn't hurt as bad as 1 big bill. Keep your budget the same but do a little at a time. Look into ways to make $$$ to designate only towards Disney - your daily $2.00 coffee, buying meals at work, have a yard sale, ask for DD as gifts, rebates, coupons, etc. When you wish upon a star...