We did our first cruise (3 night) and trip to Disney 4 yrs ago and it was the most wonderful vacation ever. We said we were "going to do it right since it would never happen again". Well, one long weekend (2 yrs ago for my son's birthday) to get just a little taste of Disney, has now turned into another cruise this year (4yrs after original one).
We booked directly with Disney as soon as the rates came out for July. We included airfare and transfers. Then in January of this year, we switched to
Dreams Unlimited to get the rebate (and great service). That took $150 off the price. Just last week, we booked our own airfare and cancelled the Disney air but kept the transfers. That saved us over $450.
The key to us was booking far in advance and then making a "bill" to ourselves for the remaining. Putting some in savings each week and now in an ING account. We also used our Disney Visa for the 6 months 0% for the deposit. The final payment will be on the Diney Visa (which will give us an extra 5 months @ 0% to pay off the trip and some extra Disney Reward dollars to spend on the trip)
My son, who will be 12, got Disney dollars in his stocking, from relatives, will be getting them instead of candy in an Easter Basket, ect. so he will have spending $ for himself.
We also only take a big vacation every other year. Now that my son is turning 12, this will probably be our last Disney one for some time.