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Saving for WDW Holiday

Discussion in 'Walt Disney World' started by Wendy, Jan 1, 2014.

  1. Wendy
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    Wendy A hui hou kakou makuakane Staff Member Administrator

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    I was wondering, how do you save for your Disney holiday?

    I used to keep a penny jar and put £2 coins in it as well as any other change I saw lying around.

    What do you do :)
     
  2. Britchick
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    Britchick Serious Forum Regular

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    direct debit into a holiday account. Not sure when we'll be going back as i have to get a job first but i'm going to start the thing that Johnie suggested, £1 on week one £2 on week 2 etc etc and see how i get on
     
  3. Vikki
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    Vikki Serious Forum Regular

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    We're the same. We put it by direct debit into an isa :)
     
  4. Isafari
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    Isafari Wild Animal Expert

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    Anything spare at the end of each month into an isa
     
  5. Dizneyblonde
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    Dizneyblonde Secret's Birthday Fairy!

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    We've been talking holidays today and we need to start saving too.
    Not sure how yet.
     
  6. Johnie
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    Johnie Budget Queen Forum Host

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    I used to buy Disney dollars each pay day and then calculate costs for a restaurant we wanted to go to and use the envelope system. That works pretty well. I don't have a Disney store to go to any longer to buy Disney dollars. I can buy the gift cards just about everywhere but they can be harder to keep track of

    I plan to do that money saving thing this year as well.

    I've been really bad this past year about saving money ahead of time. I plan to change my habits this year.
     
  7. uscwest
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    uscwest Senior Cast Member

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    What is an isa?
     
  8. Vikki
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    Vikki Serious Forum Regular

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    It's a high interest savings account....well, it's meant to be :lol: it's the best sort of account for money that you're not going to touch. It's also tax free up to £5500 so you don't pay any tax on the interest. You're only allowed one per person though, so we have one for WDW savings and one for normal savings.
     
  9. Esmeralda
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    Esmeralda Serious Forum Regular

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    I usually book it all first then I HAVE to save all year towards it or else I'm not going.
     
  10. Britchick
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    Britchick Serious Forum Regular

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    Actually the santander 123 account is what I'm using at the moment, over £3000 is 3% - i also get cash back on some of my direct debits
     
  11. Esmeralda
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    Esmeralda Serious Forum Regular

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    I remember back in the good ol days when you could get 6% on your savings... now we're thrilled to get at least 1% :(
     
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  12. Tony G
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    Tony G Serious Forum Regular

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    So true, it makes having an ISA less and less of a benefit - not paying tax on 1% interest isn't much of an incentive to save!
     
  13. Vikki
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    Vikki Serious Forum Regular

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    You're right, but it's better there than under the mattress :wink:
     
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  14. Beccaberry
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    Beccaberry She's beccalicious! Forum Host

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    We're doing the 52-week Savings Challenge - if anyone is looking for a record sheet - this is the one we're using. We also have a "change jar" that we toss our coins into each day - last trip that covered the cost of one of our 8 day hoppers!
    52-week-savings-challenge.png
     
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  15. Beccaberry
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    Beccaberry She's beccalicious! Forum Host

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    I just realized I posted this in another thread...but I think it actually "fits" better here, so I'm reposting...

    Oh! We also ask for Disney Gift Cards for occasions like birthdays and holidays, and whenever we get "unexpected" money (rebates, ebates, bonuses, etc) we convert them to Disney G/C and tuck them away.

    One thing I just started dabbling in...our local grocery store (who also sells fuel) offers "cents off" on your gas when you use your loyalty card. So, for every hundred dollars you spend in the grocery store, you get .10 off their current gas price. Occasionally, they will offer double, triple, or even quadruple gas points on gift cards. When they do this, I purchase Disney gift cards, gift cards to local restaurants we eat at, and department stores we frequent etc.

    It's basically like getting an extra bang for your buck. So for instance, we were in charge of purchasing Jon's mom's Christmas present from him and his sisters this year. We'd decided to purchase a "pull-behind trailer" for her riding lawn mower from Home Depot for around $300. His sisters put in their money, we put in ours - then we went to Stop & Shop and purchased a Home Depot G/C in the amount of $300. We purchased the trailer online on Home Depot (through ebates), using the gift card. I found a $10 promo code online, made $9 through ebates, and came out with 1200 gas points (equaling $1.20 off gas up to 30 gallons). Because we'd already budgeted $300 for this particular item - we ended up with a total of $55 in savings...which I then turned around and purchased another $50 Disney G/C (and received another 200 gas points :) ) We did this with LOADS of our gifts this year! Jon bought gas just yesterday for only $1.30/gallon! A word of caution if you try this, gas points DO expire, so make sure you use them!
     
  16. Johnie
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    Johnie Budget Queen Forum Host

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    Ebates!!!! Apparently I joined in 2004 and forgot about it till 2013. It has been a great savings/money back for things I typically purchase on the internet anyway

    Plus I found a way to save on WDW tickets.
     
  17. Beccaberry
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    Beccaberry She's beccalicious! Forum Host

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    I use ebates quite often...recently I put a little post it note on my laptop to remind me, or else I forget!
     
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  18. Johnie
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    Johnie Budget Queen Forum Host

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    Lol I use it quite often now.
     
  19. Dizneyblonde
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    Dizneyblonde Secret's Birthday Fairy!

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    Yep that's the way we usually do it too!
     
  20. Beccaberry
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    Beccaberry She's beccalicious! Forum Host

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    I just signed up for a Target RedCard. There are two kinds, a true credit card or a debit card. The debit card allows you the same 5% savings that the cc does, but simply attaches to your pre-existing bank account. When we use the RedCard, we save 5% on all of our Target purchases...including Disney Gift Cards. So, if my Disney trip costs $2000, and I pay with gift cards purchased at Target, I'll save $100. It's not HUGE, but hey, it's $100.
     

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