I'm a "real person" - a single mom with 2 kids, with a less-than-stellar job and income of about $30,000 a year. I went to WDW 4 times in the last 12 months, and did not go into debt to do it. Everyone thinks I must either owe the mouse my firstborn, or have some great secret. Well, it's neither. I first bought myself a ticket that had a free upgrade on it for water parks & more. When I got to WDW (this was in Feb 2007) I didn't use the extras on the ticket, and wanted to upgrade to an AP. They were able to bring the ticket to current value (saving me the cost of the added options) before upgrading to the AP. Since I didn't use the extra options, I got a regular AP and not the one with water access. This saved me money on my ticket.
I used the Passholder website to look for great room-only deals, and last May I took my older DD to ASMu for a rate of $49 a night. We did not do the DDP and since we're small eaters, we shared kid's meals twice a day and got one snack a day. So our food bill is manageable, and we still get to taste all the goodies we want. At the end of our trip, I also upgraded her ticket to an AP because I knew we'd be back in the fall.
I also do Sunshine Rewards which gives me money, that I can redeem in the form of Disney cards, for taking surveys and reading emails. I think I earned about $400 last year through them. Another way I save up for our trips is by having a special piggy bank that we call the "Disney Pig." When I go shopping, I estimate how much I will be spending and bring that much cash. Whatever is left over goes into the Disney Pig, along with money earned from garage sales, tax refunds, and any other "extra" funds.
Last September we booked a trip with extended family during
Free Dining. Yes, we had to buy a package but we just got 1-day tickets that we will save for future use. The price of the tickets was still a lot less than what we would have spent on food had the DDP not been free, so it was ok. We were lucky enough to be upgraded to SSR so even though it was a budget trip, it felt very luxurious. We actually got an upgrade worth over $8000! I spent $1600 for myself and my kids (airfare and souvenirs included) for the 10 days at WDW - my brother and his GF spent over 1/2 that on alcohol alone during the same trip. The cost of Disney is going to be what YOU make it.
All those trips, plus using a Southwest Rewards credit card, earned me some free airfare which we used for our most recent trip a few weeks ago. My parents paid the remaining airfare for our Christmas present (they are my babysitters and wanted to take a cruise, and it was easier if we all vacationed at the same time so I wouldn't be "wasting" my vacation days, so they helped make that happen). I took both the kids and we once again split meals. We buy the refillable mug so we don't have to buy expensive drinks with every meal. We buy very few souvenirs. The kids and I use Disney gift cards for souvenirs, and when it's gone it's gone. We use our AP to get a 10% discount at certain stores, so when we see something we like we wait and buy it at World of Disney for less.
Little things we do add up quickly when we have a goal in mind, especially one as exciting as a trip to WDW. In our house, it's all about the Mouse. I was dirt poor for many years and couldn't vacation at all, so it's a priority to me now. Like a PP said, I don't have a fancy car or a big tv. I try to look for good deals on travel and on everyday stuff too. I put the savings toward the next trip. I've already started saving for our next trip, and it probably won't be until the fall of 2009! We are hoping to save enough so that we can stay a little longer and maybe stay in a moderate resort. We stay onsite because since we never pay rack rate and don't stay in the deluxe resorts it really is affordable, plus we don't have to rent a car.
As a single parent, when I look into other travel destinations one thing that stops me dead in my tracks, which Disney DOES NOT HAVE (except on
DCL) is a single supplement. Most travel destinations are priced "per adult based on double occupancy." What that means for a single person is that I have to pay the full price for the room/cabin/what have you, regardless of the fact that there is only one of me. Basically I have to pay for a "phantom" adult. This makes the price skyrocket. WDW really is much more affordable than anything else I have looked into. Heck, last summer we drove from KC to the Omaha Zoo for a weekend and staying in a questionable Super 8 Motel, and I ended up spending 1/2 as much as I did for my last WDW week-long vacation. Two nights at the local Great Wolf Lodge would cost as much as a week at WDW for my little family. My 4 WDW trips last year cost me less than what some people spend on ONE trip. Yes, we could take a longer or more deluxe trip, but then we wouldn't be able to go as often and for us, that wouldn't make us happy.
To summarize my way too LONG post -- it's all about priorities. If it is important to you, you can make it happen and don't have to pay the big bucks. You don't have to stay in the deluxe resorts to have a great time. If that's the thing that is going to make or break your trip, then that's great but don't expect it to be easy to pay for. There are so many options when it comes to WDW, everyone can find something that is in their budget and will make them happy.