I also budget for every trip we take to Disney. I opened up a premium rate savings account at the bank. Kept it off my debit card so I can't access it unless I go into the bank. It costs money to take any money out of the account so I will only withdraw once. Once a month I go into the bank and transfer the money over to the savings account, other than that I forget it exists. I prefer to do it this way that way I maintain maximum flexibility when it comes to actually planning the trip. We get tickets from Ticketmania, airfare using Southwest, sometimes we stay onsight, sometimes not. Anyway I'm not locked in to a pre-packed plan, it ends up costing us less. Hope this helps.