We've never had to put more than a $200.00 deposit down.
We do that with either a credit card, or debit card.
If we use a credit card, we pay it as soon as the bill comes in, using our left over vacation money.
I book as soon as I can. I will be booking our next trip(June/July 2010) June of this year. We stay at the Dolphin (teacher's rate)and they won't take my reservation earlier than 1 year out.
I LOVE having a year to plan! I'm so obsessed!!!!!!
I'm glad I reserved our room and it's promised to us. 
Mi*vida*loca - Did you call Disney and book thru them, or did you go thru a travel agent? Congratulations on your vacation!!
We are trying to decide now on what dates in Jan/Feb 2010 we want to go. So once we do,we can go ahead and make a reservation for room only and then wait for the *deals* to come out? I've never booked this way before. What if a better deal comes along during different dates than what you have booked? Can you switch dates as well without penalty?
We always book at the end of our trip for the same time the next year.
That gives us a year to make sure we have the trip, and airfare paid off with cash, and spending money set aside. No credit used for our trips.
Since you don't have to pay it off until 45 days out, you can also take advantage of any promotions that come out after you book.
Mi*vida*loca - Did you call Disney and book thru them, or did you go thru a travel agent? Congratulations on your vacation!!
We are trying to decide now on what dates in Jan/Feb 2010 we want to go. So once we do,we can go ahead and make a reservation for room only and then wait for the *deals* to come out? I've never booked this way before. What if a better deal comes along during different dates than what you have booked? Can you switch dates as well without penalty?


Do you book your airfare through Disney? We want to book early and pay cash payments throughout the year. We don't want to use credit at all. I haven't figured out how to do that yet with airfare unless we use Paypal.
Thanks for any advice.