We timeshare, using cheap resale weeks that are strong traders. We like to eat out cheaply at least once a day on vacation adding to our grocery/food bill and we eat at a nicer restaurant at least once toward the end of a week. We do save some by eating in, mostly easy stuff or convenience foods. If we're on a very tight budget, we get fewer days of sightseeing admissions and/or watersports and we spend more time at the resort using free amenities. Here's what we normally spend on a typical week's vacation, 2-3 times a year:
Beach:
$550 - Timeshare Maint Fees (2-3 BRs, week) and Exchange Fee
$200 - Gas & Stops, incl a meal stop on the way home
$110 - Food/Groceries, above usual home/food budget
$150 - Nice Dinner Out
$225 - Sailboat/Kayak Rentals and/or Water Sports
$300 - Other Sightseeing, Admissions
$000 - beach, pools, ping pong, pool tables, games & tournaments - free (!)
$100 - Spending
$115 - Kennel/Dog Sitter at Home
$1,850 = Total Costs, 1 week, 5 people
Gatlinburg TN or Williamsburg VA:
$550 - Timeshare Maint Fees (2-3 BRs, week) and Exchange Fee
$100 - Gas & Stops, incl a meal stop on the way home, add $100 for VA which is further for us
$110 - Food/Groceries, above usual home/food budget
$150 - Nice Dinner Out
$100 - Sailboat/Kayak Rental, add $100 if it's whitewater rafting in TN
$675 - Theme/Water Park Passes & Parking, at least 5 days
$000 - pools, ping pong, pool tables, games & tournaments - free (!)
$100 - Spending
$115 - Kennel/Dog Sitter at Home
$1,900 = Total Costs, 1 week, 5 people (either TN or VA)
Orlando/Universal:
$550 - Timeshare Maint Fees (2-3 BRs, week) and Exchange Fee
$300 - Gas & Stops, incl a meal stop on the way home
$110 - Food/Groceries, above usual home/food budget
$150 - Nice Dinner Out
$100 - Sailboat Rental
$550 - Theme Park Passes & Parking, at least 5 days
$000 - beach, pools, ping pong, pool tables, games & tournaments - free (!)
$100 - Spending
$115 - Kennel/Dog Sitter at Home
$1,975 = Total Costs, 1 week, 5 people
Orlando/Disney World/DVC:
$645 - Timeshare Maint Fees (2-3 BRs, week) and Exchange Fee and Disney Resort Fee
$350 - Gas & Stops, incl a meal stop each way
$110 - Food/Groceries, above usual home/food budget
$150 - Nice Dinner Out
$100 - Sailboat Rental
$1,160 - Theme Park Passes & Parking, at least 5 days
$000 - pools, games & tournaments - free (!)
$100 - Spending
$115 - Kennel/Dog Sitter at Home
$2,730 = Total Costs, 1 week, 5 people
There's no getting around the high price of Disney admissions. Comparing apples to apples (same kind and quality of accommodations, same eating style, same number of days of entertainment and watersports, etc.), Disney is indeed more expensive. Disney food is overpriced but so is food in any theme park and in most tourist spots.
If you need airfare to FL but not to local vacation destinations, that's another add-on.
If you're able to find cheaper priced but comparable accommodations at other destinations (or more expensive), that makes a difference too.
There are just so many variables. But I think the Disney admission media "sticker shock" makes people very conscious of the expense of a WDW vacation. As others have posted, it's possible to enjoy fun family vacations for half the price of these. By selecting a nice place closer to home with fun, lower cost activities (state parks w/waterfall hikes & bike trails, beaches, nearly free museums), our vacation budget has been cut in half in tight years. With a non-Disney trip, especially in a timeshare condo w/kitchen and fun resort amenities, this is much easier to do, IMO.