Consider what you used to pay for meals, park passes, transportation (air, gas, rental car, transfers, etc.), recreation (boat rentals, bike rentals, pleasure island, mini golf, reg golf,etc.), kennel fees(big one for us), unpaid time off from work(anyone else do this?), extra shopping you could have lived without, and anything else you can think of and compare those costs of what you used to pay pre-DVC and what you now estimate you spend with DVC. I skipped the rooms entirely because for most it is a wash unless it a hugh difference one way or the other, then include it.
For us, even though we save a lot and can stay in a studio for 3 weeks for what the dues cost us compared to what a 8 day stay at the moderates used to cost us, we have more than doubled our other expenses.
For us, even though we save a lot and can stay in a studio for 3 weeks for what the dues cost us compared to what a 8 day stay at the moderates used to cost us, we have more than doubled our other expenses.