Wanted to chirp in again.
: the trick is that I will search and search until I find the best deals.
We have had wonderful week long vacations that cost us only a few hundred dollars for a family of five. Last April we went to
Williamsburg. Stayed in a beautiful resort in a two bedroom condo for under $300 for the week. We used our regular weeklyfood budget and cooked most of our meals. Got discount tickets to Jamestown and Williamsburg and spent under $600 total. That is awesome for a family of five. And we did everything we wanted too.
Last summer we rented a condo in Hilton Head. I found an awesome rental that was $1000 for an entire month at the Hilton Head Resort! It was great and we went for two weeks...not the month. This place was cheaper by the month because the owners just wanted it rented. We brought bikes and had an awesome time. So much that we are going back twice this year!
I have to ask where/how you find these deals. They sound awesome!!!!
OP - you've been given tons of great advice! You'll find some ideas that work for you. The jumpy house/lunch out is totally unnecessary and expensive. If I were you, I'd cut that right out completely.
If your dh works M-F, how about a job for you on Saturday or Sunday? Instead of rushing out the door in the evenings when dh gets home, and him having to take over the kids after a long day at work, the weekends might be something to consider. We own a retail business, and Saturdays are our busy day and one of our salespeople is a SAHM who needs to be home during the week (it's actually our SIL)... but the point is, Saturday is our busiest day of the week, SIL needs to be available to her boys during the week (home sick from school, she wants to volunteer at their schools, etc)... but Saturday is free for her. Gives her some pocket money, gets her out of the house (dressed up for work), gives dad time alone w/ the kids. And we close our store at 3pm on Saturdays, so she's there from 8am till 3pm. She and her family can still have Saturday afternoons/evenings together. I'd try a family-owned small retail store if you think this might work.
Does your child go to pre-K, or she's home all day w/ you 5 days a week? I can see where 'entertaining' a single child that age is difficult. If you're home 5 days a week w/ her, what about doing almost a pre-K schedule to pass the time. You can make it really fun. "School" starts at a certain time, what's the day/date, weather, etc, designate different rooms in the house for different activities. Have her help you clean things she's able to (cleaning time!). Make a surprise for daddy to come home to some days (a craft, etc). Make a nice, fancy meal w/ candles on the table, have her help cook, etc on another day.
I once read a great idea from a mom who couldn't afford any summer camps for her kids (and all the neighborhood kids were going), so she made her own summer camp at home. Monday was animal day - learning about animals, maybe reading books about animals, watching a dvd about animals, drawing animals, animal craft, maybe going to the local shelter (actually, I know a mom who routinely takes her 4yo daughter to a local cat shelter to play w/ the cats one day a week). Pick a different theme for each day. If you get to it, great! If not, you were obviously too busy. She even tried to make the dinner go w/ the theme in some way.
Good luck finding things to do that are free... there are many - you just have to search them out or think them up (which I could never do, so I always borrowed ideas I read about).
Go out only 1 day a week to save gas. Make that library day, food shopping day, errand day, etc. That would take up a whole day I bet. Even in the winter, bundle up on days it's possible, and take a walk, even if it's a 15 minute walk (I know it's cold!) Mentally, that's important for you - get some sunshine and fresh air every day you can. You can also have "work out" time at home, with your child. Yoga, sit ups, jogging in place, jumping jacks... the point is to get yourself sweating a bit, like a 'real' workout... again, it's as much a mental thing as a physical thing.
hope some of that helps.
Anyway to make your trip cheaper? Are you staying in a value? There's a book (you can maybe get from the library - I'm not sure) called "Disney on a Dime"... not sure how much pertains to you, but it's worth a shot. I'm sort of 50/50 whether you should even go or not. I know many, many kids who haven't been to disney ever. But I get the family vacation/quality time/memories things, and disney is one of the best places to do that.