Please tell me I am not alone!

Susan, thanks for sharing your story with us. :grouphug:
I'm sure your hubby would be very happy to see ya'll having fun together at WDW.



I wanted to add about DVC and tight budgets...
Before we took the plunge we were really limited to the values and mods, with the occasional deluxe thrown in with a good discount code or renting points. We would not have the luxury of staying at the deluxes every trip. (And our addiction pushed us to go at least twice a year!) With DVC we are able to budget our monthly payments into our expenses. Makes it a tad easier I think than having to come up with the money all at once. Plus, now we can save the spending money for our trips a little easier.

And by using the kitchen we eat our breakfast and snacks in the room. Saves some money there, too.

Just a thought...
 
when we bought into DVC this july all i could think of is " does this fit into our budget?" my DW knows just how much i love WDW and would go much more often if we could afford it. So i knew that while we were there i wasnt going to get a clear answer because we were filled with the breathtaking facitlites that SS offered to us. besides we still we full of the old WDW magic!

so when we got home and recieved the DVC package i noticed the 15 day cancellation window. so again i posed the budget question. my wife said that with 2 teenage sons rapidly approaching college, the costs of living on Long Island NY, that we were never going to be rich anyway. But by purchasing DVC we feel like we have bought that little safety net we can go to once, or if the great god of money smiles on us, twice a year. Both of my teens love WDW for different reasons and expressed their desire to return often so this was a good idea for us.


both of my DW's parents died at an early age and my father died way to early and my mother is in poor health also so i know life can be unfair. lost friends and had family injured in 911 so i am very aware of how quickly life can change.

what i am trying to say in the previous paragraph is that with life as it is we all need that special place or the "Laughing Place" we can go to so we can just forget reality for a moment and get swept up in the fantasy and magic that is WDW. the memories we have made at WDW are something that we use all year wheter it is in video, picture form slowglobe or in a pin collection, these memories are priceless and timeless to us and are worth every penny spent.

after reading this thread i know i made the right decision because there are many here who almost feel the same way. i was going to cut some items from other posts but there were too many that i really agreed with to choose from.


i feel very fortunate to have all that i do and that makes our trips tp WDW more meaningful for me.
 
Funny got this email today. I don't usually open this kind of stuff, but I'm glad I did. It fit this thread perfectly!



Too many people put off something that brings them joy just because they haven't thought about it, don't have it on their schedule, didn't know it was coming or are too rigid to depart from their routine.

I got to thinking one day about all those women on the Titanic who passed up dessert at dinner that fateful night in an effort to cut back. From then on, I've tried to be a little more flexible.

How many women out there will eat at home because their husband didn't suggest going out to dinner until after something had been thawed? Does the word "refrigeration" mean nothing to you?

How often have your kids dropped in to talk and sat in silence while you watched 'Jeopardy' on television?

I cannot count the times I called my sister and said, "How about going to lunch in a half hour?" She would gas up and stammer, "I can't. I have clothes on the line. My hair is dirty. I wish I had known yesterday, I had a late breakfast, It looks like rain." And my personal favorite: "It's Monday." ...She died a few years ago. We never did have lunch together.

Because Americans cram so much into their lives, we tend to schedule our headaches.. We live on a sparse diet of promises we make to ourselves when all the conditions are perfect!

We'll go back and visit the grandparents when we get Stevie toilet-trained. We'll entertain when we replace the living-room carpet. We'll go on a second honeymoon when we get two more kids out of college.

Life has a way of accelerating as we get older. The days get shorter, and the list of promises to ourselves gets longer. One morning, we awaken, and all we have to show for our lives is a litany of "I'm going to," "I plan on," and "Someday, when things are settled down a bit."

When anyone calls my 'seize the moment' friend, she is open to adventure and available for trips. She keeps an open mind on new ideas. Her enthusiasm for life is contagious. You talk with her for five minutes, and you're ready to trade your bad feet for a pair of Rollerblades and skip an elevator for a bungee cord.

My lips have not touched ice cream in 10 years. I love ice cream. It's just that I might as well apply it directly to my stomach with a spatula and eliminate the digestive process. The other day, I stopped the car and bought a triple-decker. If my car had hit an iceberg on the way home, I would have died happy.

Now...go on and have a nice day. Do something you WANT to......not something on your SHOULD DO list. If you were going to die soon and had only one phone call you could make, who would you call and what would you say? And why are you waiting?

Make sure you read this to the end; you will understand why I sent this to you.

Have you ever watched kids playing on a merry go round or listened to the rain lapping on the ground? Ever followed a butterfly's erratic flight or gazed at the sun into the fading night? Do you run through each day on the fly? When you ask "How are you?" Do you hear the reply?

When the day is done, do you lie in your bed with the next hundred chores running through your head? Ever told your child, "We'll do it tomorrow." And in your haste, not see his sorrow? Ever lost touch? Let a good friendship die? Just call to say "Hi"?

When you worry and hurry through your day, it is like an unopened gift....Thrown away... Life is not a race. Take it slower. Hear the music before the song is over.


"Life may not be the party we hoped for... but while we are here we might as well dance."
 
What great stories everyone has shared. I too like most Americans am not debt free, although I am working on it. When I decided to purchase DVC, didn't wait on the husband because we never would have purchased I made a plan. It really wasn't in my budget, however with a few simple changes I have made my first two payments and look forward to having it paid off in the next eight years and purchasing my next contract.

Some of the things I changed were: I no longer were acrylic nails ($60/month), no longer have blonde hair ($40/month), clip coupons, cut back drastically on Starbucks (only 1-2 times per week), quit going out to eat everyday for lunch (limit to Fridays $20 - $40/week) and that is how I came up with my payment. So everytime I am sitting at my desk eating a cold sandwich I just think of the great meal I will have at the California Grill or in Epcot and know it is all worth it.:earsgirl:
 

Such heartwarming stories!:grouphug:
We try to not think about the piling up debt we`ve been in and out of , over the years. We came to the point that (after seeing sooo many loved ones in our family pass away ( some suddenly, some from long term illnesses~~~~~~ Life is too short! We put off buying into DVC a long time, now, as long as there`s laughter & happiness in my family----- I`M A HAPPY MOUSEKETEER!!!
 
These are all very interesting stories. And in some way we can relate to each other beyond just being DVC members.
 
I'm glad to hear that so many of you share the same philosophy as I do. I have been "criticised" by family members and friends for the way I spend my money. We are middle class, my DH is a firefighter and I am a pediatric RN. I work part-time only so I can be with my kids more (DD 12 & DS 9). No we do not have a big savings account, No we do not have "a college fund", and yes, we still have a 30 year mortgage. SO WHAT?! Years from now my kids are not going to care if we had our mortgage paid off or not, what they are going to care about and remember is the time we spent together and the things we did together as a family! ESPECIALLY our Disney Vacations (i'm criticised about that too!) Life is too short. I know from personal and professional exerience. I choose to live my life and if I have to accrue some debt to do it so be it!

Oct. 2004 SSR (soon!)
Aug. 2003 BWV
Oct. 2002 All Star Sports/BCV
March 2001 All star Sports
 
STC1223---what a beautiful post. You brought tears to my eyes and a resolve to my heart. Thank you for sharing your story.


DVC is so much more than a "prepaid vacation". It truly is an investment--in your family!


~Laura
 
others in this thread have said what i am thinking now. quite a few of us have almost the same reasons i had for buying into DVC.

thanks to all for sharing their stories

lenshanem, special thanks for your post.



what better way to celebrate my 100th post then here with my fellow DVCers!!
 
Be careful tomerin, I remember when I hit 100 posts and I thought how did I get that many so fast!
:crazy:
Let's just say the DIS is addicting.... ;)
 
Many times I have worried about the debt we are in. Sometimes I see no end to the debt, as it seems something always comes up that cripples our hopes of getting out of debt. We have a nice house in a nice area, and DH and I both work full-time, we also own 2 DVC contracts, I put away for the kids college fund, but after the mortgage, car payment and monthly bills there is not much left over- sometimes I wonder what our retirement will be like ?!?! Anyhow, I feel better knowing that I'm not alone in this boat. And though I worry about our finances, somehow being in WDW with my kids and family, enjoying each other, makes the world right. Thanks for all these great posts.
 
but it will probably not be enough to pay for all of their college,

The most important part of their education will be the working their way thru college part.

AFMom -- If you can swing it open up a stock mutual fund, periodically put any loose change into it and don't touch it until you retire or have an emergency. Does the military have a form of 401-k? You'll be surprised how much it will grow and you won't miss the money you put away.


Plan for tomorrow, but live today.
 
If you have a college near you, have them live at home. That will save a TON of money.

DJ
 
Originally posted by Skip Wiley
Someone once told me "Don't measure your vacatons with money, measure them with memories". With DVC you'll never go broke :D
I really like this philosophy and attitude!!! :D

While I don't advocate people getting in over their heads, I personally don't mind a reasonable amount of debt. :cool:

MG
 
Thanks, Manning.
I'm all for them at least working part time! My husband had to work 60 hour weeks while he went to school full time - I'd rather be able to help them skip that! :crazy: As far as military retirement - we're pretty set there!!!
So relieved this thread came about when it did. It's been good for the soul,,,,, and my guilty conscience!
Thanks to all:sunny:
 
Wow,

As I watch this post getting larger and larger, I never realized how it would affect everyone! Yes, I worry nightly about our debt, but as I read these stories, I count my blessings. I sat and cried the other night reading these heart-warming stories of other peoples lives and knew how blessed I have been so far. Yes, my mother is still alive-although she left me when I was 7-I am 48 now. I never see her. My dad is still alive at 71, having had prostate cancer and survived, only to follow that with a quadruple bypass a few years later. He survived the surgery only to develop a staff infection that almost killed him. That was about 7 years ago and he is doing well today. My MIL and FIL are both still alive and are in fairly good health. My DH and I both have our siblings still also, so, yes, life is good, for now. I know that in the near future things will change but my DD will remember her times at WDW!
 



















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