Hey there Jody,
I am waiting along with you for our first Disney in December vacation. Have you ever been in Dec. ? I know the wait is long but what I am going to do to pass my time is enjoy the summer, the pool, and the kids who have 7 days of school until summer vacation, read a few good books, and go about my merry way enjoying what I have here and not dwell on when is December going to be here - then when I least expect it - it will be Dec. and we will be be counting the days instead of the months. I usually plan all of our vacations at least 6 months in advance, which basically gives me 6 months to pay it off prior to going, and never found the wait too daunting.
Since you and your DH are such great planners, perhaps you could send along your "plan" for me so I can get help with mine, LOL. Perhaps we will see you there....
Take care,
Lori