I saved over $800 on my MF by purchasing discounted Target gift cards on Raise dot com for 5% - 7% off face value and then used those gift cards to purchase Disney gift cards online through Target. I used my Target store card as a default payment to trigger the additional 5% off and then switched the payment to the Target gift cards I brought through Raise. I loaded the Disney gift cards on to the Disney Vacation savings account and paid nearly $7,800 in annual dues with the DVA which will get me an additional $140 in Disney gift cards since you get a $20 gift card for every $1000 you spend through the DVA. A decent savings and now I need to decide for next year's dues if I get a better value by earning 5 airline miles per dollar for buying Disney gift cards or saving over $800 out of pocket

Decisions, decisions ...