have you looked into renting DVC points as others suggested? It really does seem like it could save a bundle. As far as the dining plan - yes you may be able to eat cheaper on your own, but for us (and we really are not well off financially) the nicest thing about the dining plan was choosing places we would not otherwise be able to go to because of the cost. As someone said - you can addthe dining later - who knows maybe you will get lucky and they will extend
free dining! I did some mystery shopping before our last trip, made about $300 which paid for our bday wishes cruise and some of our rental car. You could look into that. I think as far as souveneir shopping - let the girls make some money helping out around the house and that can be their spending $$, when it's gone - it's gone. You will still have a wonderful vacation! We just got MYW base tickets which save quite a bit. No park hopper for us - do we really need more than one Disney Park in a day? Keep us posted!