Making monthly payments?

[lenshanem]

Has anyone ever done this with their TA or thru DCL directly? Is it terrible to pay on it each month instead of paying the final payment at once?

 

[SeaSpray]

Has anyone ever done this with their TA or thru DCL directly? Is it terrible to pay on it each month instead of paying the final payment at once?

Is it terrible to do this? Why would it be terrible?? As long as the full amount is paid by the final due date, it really doesn't matter. We like paying our cruises off in cash, prior to the cruise, so we earmark money each month and I call our TA and apply the payments. Very, very simple

 

[TheWog]

I don't think its terrible. The money has to get to DCL at some point. The only downside I can see is you won't be earning (minimal) interest on it in the interim. Other than it is nice to see that number slowly get smaller and makes the final payment that much easier to swallow. Go for it.

 

[bairdbeth]

I put a little on my Disney Visa each month. That way I also earn rewards. I just e-mail my TA with how much and she processes it!

 

[nzdisneymom]

We paid along the way whenever we'd come into some "extra" cash - perhaps an unexpected gift or refund or rebate from something we were buying anyway. Actually, I had our T.A. apply the payment via our Disney Visa (gotta get those reward points) and then I just put the money right on our Disney Visa account. Worked out well for us.

 

[musicgirl]

For me, that's the only way I can do it. We booked in Sept. 2004 for this June and I carefully budgeted around Christmas, car insurance months etc. and only made small payments in those months.

I also got brave and started paying on-line. It's very easy. In fact, way easier than calling.

I'm down to the last $300!! Oh yeah!!!

 

[ivanova]

as a TA this is something I suggest (and offer to clients)

 

[Mmketeer]

Hi,

Oh what a wonderful benifit it is to pay as you can with DCL's online website! Both you and or your travel agent have this option.
I used it when I booked my cruise last April. I just pulled up my reservation online through DCL's webiste after I booked it and applied money as I got it! I had my cruise paid by September instead of the due date of November using their website.



See ya real soon Mickey!

 

[LasseKjus]

Can you make a payment on the DCL website if you haven't booked through DCL but booked through a TA?

 

[captchris]

I love doing it this way. The money I have budgeted for my cruise, I just pay monthly using my debit card. It is great to see it gradually going down. I was jumping for joy when I reached the 51% mark, ie, I owed less than I had already paid.

The bottom line is do whatever works best for you. I did this same thing with my last cruise with RCI.

 

[F1Julie]

I booked both my cruises directly through DCL and make a payment with each paycheck (or at least I try to). I'm down to $200 on the cruise which will be paid off with my next paycheck. Then I'll move on to paying down the WDW portion of the trip (that doesn't have to be paid in full until 45 days before). I wouldn't be able to pay for trips otherwise. Paying down a little at a time works great for me.

 

[disneypoor]

I put extra money into our savings account each month to cover the cost of our cruise. I will pay off our cruise when it is due with my Disney Visa so I can get those reward dollars! I will already have the money in savings to cover my visa bill when it comes. I've had our trip budgeted out completely since I booked it. I plan out our trips, figure out how much money I'll need to save each month, and put it in savings to earn interest until I need it. I have to do it this way, or I would definitely be "Disney Poor"!!

 

[UGAFan0829]

We did the same thing for our last cruise. As soon as I would get paid, I went straight to the DCL site and made a payment. I was much easier that way. Even if you only do a small amount every week it adds up, and that's less stress in the end when the final payment comes due. It was really the only way that we could do it!!

 

[jeast]

That's what we do! I booked directly through disney and pay $50.00 out of every paycheck online. I book early, and pay for a long time. I never really notice $50.00 but I would REALLY notice the final payment, otherwise.

Our fall cruise will be paid off in two months. Then I start saving for my next deposit...