Log onto BJ's and purchase gift cards, a $100 card costs $94.99 and no shipping charges and you don't have to be a member. so that is the total cost and savings. You can order as many as you want, they can be used to pay your cruise payment or any portion of it, they also can be used on the ship, just go to the service desk and apply them to your account. at $5 savings per card, I told my wife she could use the extra for coffee at the Cove

. Like others have said, go to the many sites and plan. Even thou we've been on 5 cruises I've purchased a
Disney Cruise book. My wife says by the time the cruise comes I'll know everything about the Dream and the book will be falling apart. Enjoy