Personally, we (as a family of 4) figured and refigured and the dining plan never saved us money. We stayed in the value resorts, 10 days, got the room discount/had base tickets, and it was very affordable. Since we stayed for 10 whole days we didn't really need to park hop. For 3 people, I think the value resort rooms have plenty of space. Here are some things we did that really saved a lot of $$.
For 10 days, we had 6 reservations. (Ohana, LeCellier, Tusker House character, T-rex at DTD, 50's and Sci Fi) The rest was counter service at the parks, breakfast in our room, or in the dining hall at the resort.
We got 2 cases of bottled water, blueberry muffins, fruit, yogurt, those individual cereals, milk, o.j., granola bars, pudding, rice krispie treats, and fruit snacks. (make sure you pack plastic utencils and napkins.) We ate breakfast in our rooms 4 or 5 times for that 10 day stay. Do note that most of the time when we ate in our room, we were hungry for lunch usually earlier and ate at around 11am. But this was a very affordable option and we adored garden grocer. They have the best service!
When it came to birthday and Christmas wish lists, we started asking our family a year before the trip for Disney gift cards. We would pick one up at target every now and then too. We had over $800 by the time we took our trip.
Start looking for some little Disney gifts for your kid at the target dollar spot and other stores. They have sweet items that you can take with you and then whip them out for gifts during the trip.
Walmart and other places also have cheap tshirts, etc.
Make sure to go to the dollar store and get a couple packages of the glow in the dark glow sticks, make necklaces out of them. So fun for kids while they're waiting for the firework shows! Also, pick up the plastic door shoe holder to hold all of your toiletries in your room. I also liked the pop up laundry basket to put all the laundry in , which is also just a $1
Decide now on how you want to do souvineers. And stick with it. Do you want them to have their own gift card with a set amount, and once it's used up, no more wants. At all. Or wait till the last couple days and have them pick out their prize but have a set spending limit.
The reason I'm not fond of the
Disney dining plan, is you tend to plan your whole day around where you're going to eat, and if you don't use every single table service and counter service meal, ... your wasting it. There were quite a few days we didn't eat 3 big meals a day. Even my hubby. Or we split a counter service meal w/the kids as it was so big. And we had our fair share of Disney snacks at the park, oh yes!
But start doing all the other tricks for saving $$. All change goes into a change jar, every receipt where you use coupons, put that amount in your vacation fund.... etc. Those little bits add up fast and they don't "hurt", you don't really miss it.
You still have quite a bit of time to save and plan! Have a blast!