I need some tips with the exchange rate being so awful I cant believe how few dollars we'll have if I change what we've saved so far (
How do you all save for disney?
Budgeting, for the most part. I maintain a spreadsheet for income and basic expenses (mortgage, property taxes, maintenance, utilities, expected vehicle maintenance & operation, etc.), and anything that remains goes into discretionary spending. I include food in that category. I know the minimum amount for food, so that's deducted next--plus additional if restocking freezer or pantry. A small amount goes to wardrobe & entertainment.
Then I allocate for serious maintenance and repairs on the house, vehicle replacement and travel. I used to have one savings account--which makes more sense financially if dealing with compounded interest--but added a separate savings account for travel to be sure I reach my goals. Most years.
Beyond that, the change jar. Usually about $100 to $300 per year. It goes directly into the travel fund. I used to sell on e-Bay, but really don't have the time or interest any more. I was just eliminating stuff that I didn't need or want.
This year I'm also subcontracting service work from a group of CPAs during tax season. I'd love to say it's going into the travel fund, but the house is having a mid-life crisis, so I'm afraid it's going toward that. I'm thinking I might get back into tax preparation for next season--we'll see how that goes when classes begin in the fall!
Oh! And if I have more than $50 remaining from my travel funds for a trip, it goes back into the travel fund! Gives me a head start on the next trip, but I don't feel deprived--I can spend $50 if I choose!
I buy a lottery ticket every week without fail.
I save all my copper and 5 pence's. I also save £2 coins, it's surprising how quickly they add up.
I also use my Virgin CC to pay for everything (I pay it off each month) that way I earn flying club miles and get a companion flight and upgrade vouchers every year. Another good thing to do is offer to buy things for people and then you earn extra miles as well
I then buy my ticket and use the companion for Chris (he only pays the tax) or I use the miles to get two economy flights and then use the upgrade vouchers to go PE. All we pay then is the tax I am lucky though I can go whenever there are seats available as I'm not tied to school holidays when there aren't any seats available.
Chris works as much overtime as he can, but that's dried up now unfortunately.
We also ask for money for birthdays and Christmas which we put towards our holiday fund.
At some point you have to realise that
some people can stay in your heart
but not in your life.......
If ever there is a tomorrow when we're not together.......
there is something you must always remember.
You are braver than you believe, stronger than you seem, and smarter than you think.
But the most important thing is, even if we're apart...... I'll always be with you.
Winne the Pooh - A A Milne