I am another single female - no mortgage (live with my parents) and no children. After graduating from college and landing a great job, I realized I had to start budgeting my money and figuring out monthly payments - college loans, car, phone, insurance, and incidentals (food, clothing, TRAVEL, etc). Since Disney has always been a big deal in my life, I looked into DVC and realized what a great deal it is - considering the cost of hotels is constantly going up. I figured I could put a good chunk down as a down payment and then figure the remaining amount into my monthly payments and still live comfortably.
I have known about DVC for a long time...since I traveled to Disney back in '93 and '94 with my family. Because we were a family of 5 (and because my parents insisted that if we were going to Disney we were staying IN Disney) we had to stay at a Deluxe - we stayed at the Contemporary and the Beach Club - went through a
travel agent, so there were no deals. We only got to go twice as a complete family. Now - my parents did the DVC tour and figured they couldn't afford it with all of us going off to college one after another in a matter of years. They realized how foolish they were for not joining since those two trips almost equaled the minimum cost of joining DVC. No, my parents don't regret spending the money on those two amazing trips, but we probably could have gone more often if we had taken advantage of codes, etc (like we did on later trips).
Now, with DVC we will get to go back to the Beach Club yearly (our favorite hotel), stay in a one or two-bedroom villa with cooking facilities, and not incur the costs that a typical vacation would cost. DVC is like prepaying for vacations for the next 39 years. For me, I figured my investment would break-even after about 4 years. Plus, I can trade-out and go somewhere else if I choose. I love to vacation and by joining DVC I can afford to go yearly and bring my family and friends (and eventually someday, my own family). I too, am a die-hard bargain hunter and DVC is an affordable way to enjoy Disney (and many other places) over and over. Sorry for the long story, but I just wanted to share how I afford my Disney habit!!!