I understand your pain. It's been five years since our last Disney trip for that very reason. We really tightened our belt and even though it's had it's ups and downs, I am so relieved that we will be debt free at the end of the year! We're heading to Universal this year for 2-3 days and next year we'll be doing our big Disney trip. Check out the Debt Dumpers thread here on the budget board. They have been very motivating to me. Just think how much better you'll feel when you know that unexpected repairs and such won't have you deciding which bill doesn't get paid or praying the power company will give you an extension and not cut off your power.