wanting to plan a trip way in the future...

luvmyfam444

DIS Veteran
Joined
Apr 4, 2005
Messages
5,055
looking at 2027...what is the best way to go about it so I can pay it mostly off before we get there? I'm not really interested in a credit card. I have been buying some gift cards here & there, but not sure if that's the smartest way to do it.
I was thinking maybe booking and then paying a little at a time...
Can I book a room only & then change it over to a package @ a later date if I see a good deal? I see where a room only can be booked 499 days out.
I'm assuming I'd get a refund if we had to cancel for some reason.
 
For me it is easier/less stressful to just book what is most cost effective and pay when it is due. I keep a separate $ account (with money market interest rate) that I build up over time (kind of like paying ahead 🙂) to cover upcoming trips. That way, no matter what turns out to be the most cost effective option, I have the funds ready when it's time to pay. (Reservations can be changed to take advantage of new deals if there is availability. Note that room-only reservations v package reservations have different cancellation policies/due dates.) The same $ account goes to covering any food etc that I charge while I am at WDW. The dining plan is not a good deal for the way we eat - but knowing that funds are waiting to pay the bill gives me the same "don't worry, it's covered" feeling. (I find that if I set aside what the dining plan would have cost, I have more than enough to pay my post-trip credit card bill.)
 


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