If it weren't for these boards and learning all the money saving tips many of us wouldn't be going all the time. I did rewards programs for a while (see the rewards program board), I still do some, now I ebay for extra money. I usually keep a change jar going for my granddaugter's spending money..or mine.
My mother passed away in May and with part of my inheritance I purchased 150 points in Disney Vacation Club for myself & family so that takes care of our accomodations until the year 2042.
We save lots of money by purchasing annual passes and using them for two or more trips.
This next trip in June, since there's going to be so many of us and my knew grandbaby, we're going to take advantage of the kitchen in the 2BR villa to have several meals.
I don't spend a lot of money throughout the year. I don't have a cell phone, eat out every night, or spend a ton on clothes. I have a car and house that's paid in full which certainly helps. I believe you have to choose your priorities. I would rather take my family to WDW once or twice a year than have a brand new car, cell phone, etc. That's my choice.