Not to go against the grain here but I actually think Onsite is cheeper. If you stay off site, you waste valuable time commuting. Puls if you have to rent a car (Hotel transportation often ends before I want to go back especially e-nights but that is up to the travelers) the cost for that In m,y opinion would be better spent on an onsite hotel with free close transporttation. This will be ny second trip on a tight budget and here are a few more ideas, but then again it all depends on the travelers When I go it is commenly commando Disney7am to 12am (yes am)
1. Bring your own snacks from home (i.e. granola bars, fruit snacks etc. Stuff that travels well and doesn't mealt)
2. Book airfare seperatly, you can usually get cheap fares through regional airlines that Disney doesn't book through
3. Know what you want to see and cut out what you don't.
4. Buy supplies like film and such at home Way cheaper than Florida.
5. Check out options like
AAA or Orlando Magic Discounts - Orlando Magic Card is great for Cars, offsite hotels and offsite food.
Thats about all I can think of now. As I said previously, this depends on the travelers. It works wonderful for me in Minnesota. I once did a trip in 2000 at the Caribbean Beach for 4 nights for a total of 950 including souvinears. Good Luck, Let me know if you find any new ideas, I am a broke college student who really wants to go back

Hopefully Tax returns will be friendly!
Minnesota