Apr 30 2014

Some things we did to save on our Disney trip

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Whew! We got back last night, at 3 a.m. after a delayed flight. Our family had a great time at Disney World. It was busy, intense and a physical workout if there ever was one. And it was fun! I feel like I put more time into planning this trip than I did my wedding, and I know we spent more money.

Here are a few things that we did to minimize our expenses:

We flew Southwest, but it was serviced by AirTran. Since I booked it through the Southwest website, the Southwest free baggage applied. Huge deal!

We packed a suitcase full of food. A few boxes of cereal, oatmeal, some of that shelf-stable bacon to heat up in the room microwave, popcorn, fruit leather, peanuts, almonds, raisins, crackers, granola bars, lollipops, cookies, etc.

Before we left, I divvied out some snacks into gallon-sized plastic bags. I bought the bags at the Dollar Tree. No need for freezer-worthy bags — the cheap ones suited my purposes fine. Since the snacks were pre-packed, I could just grab one gallon bag full of snacks to put in our backpack for each day we were at the parks. Saved time.

We ate all breakfasts in the room. Could have easily spent $30-40/day on breakfasts at the quick service places.

I booked our airport parking ahead of time. I knew the official airport place was pricey, so I chose the parking lot after comparing prices and reviews. I used a coupon code for 10% off, and had 8 days of parking for around $35 total. I guess we could have asked someone to drive us, but they’d have to take our van and deal with that hassle. I’d rather not inconvenience someone over $35. Indy folks, we used the Park Ride Fly USA service and we were happy with it.

Rather than buy t-shirts in the parks, we bought kids t-shirts ahead of time. I found Disney shirts on sale at Old Navy and Target. It was time to buy some summery shirts for my kids anyway, so it was part souvenir part wardrobe item.

The week before our trip, I cooked a double batch of spaghetti with meat sauce. I saved half of the meat sauce in a (not cheapo) freezer bag to eat when we got home. After a vacation, we’re always wanting a home-cooked meal, and this was an easy one to pull out of the freezer and reheat. I boiled noodles rather than freezing those.

We could have rented a stroller at Disney, or through a third party, but after seeing the price I figured we could just buy a stroller to have to use at the airport and on hotel grounds. We bought the First Years Ignite. Loved it! It was big enough for each of my children, one at a time. Has a five-point harness so my baby could sit in it. We used the storage basket and the handlebar storage, and I added this storage bag to the handles to hold our hats. This was a sturdy stroller and the handles were higher than our cheapo basic umbrella stroller. Highly recommend.

My original plan was to have my 3-year-old and 5-year-old take turns riding in it. My 3-year-old tuckered out fast and I think she felt safe in the stroller — there’s a lot of people everywhere and much to see. So she didn’t exactly share it well. Johnny had a limited amount of time in it, and Shane ended up carrying him some. I wanted to rent a stroller for a few days for him but the carrying worked out ok. He ended up walking a lot.

I wore Amelia pretty much the entire time. That’s a workout in itself.

Johnny and Vivie’s main souvenirs were pressed pennies. They loved finding the machines everywhere. It was like we were on a treasure hunt. At $0.51 each, it’s not terribly expensive but it was addictive and we got a lot. Still, a fun and small item and they enjoyed the hunt.

What I would do differently:

Bottled water at the parks sold for $2.50/20 ounce bottle. UGH. At our first hotel, the tap water tasted fine to me. But the second hotel and the park fountains had a strong sulfuric flavor and I just didn’t like it. We spent a lot of money on bottled water. You can get cups of ice water from quick service restaurants, and we did that too, but again that flavor. But dehydration? And 90+ degree days? Nope.

If I did it differently, I’d have a grocery delivery service deliver us water and food items. I’ve also heard of people ordering a case of water on Amazon or Staples. Would need to see how that priced out. I paid $2 something for a gallon of water, and if I had reusable water bottles with us I could have filled them for a little while. We just used the jug in the room.

Some people also like adding flavoring packets to the tap water to make it more palatable.

We also should have had a rest day on Saturday. I was just worn out and I think the rest of the family was, too. So instead, we had a rest day on Sunday. We still did a lot of fun things and even stopped in Magic Kingdom for a brief time.

Planning info

There is a method to the madness. If you haven’t been to Disney World before, or if it’s been awhile, I cannot stress this enough: You have got to plan ahead. A lot. More than you can even fathom. Table-service restaurant reservations typically need made at the 180-day mark for the most popular restaurants/times, though some can be had much later. We booked one table-service meal maybe a week in advance, and another a few hours prior.

You can’t walk into the parks without a touring plan (order of hitting the rides). Well, you can, but if you do you will likely be waiting in line much longer than you would if you had a good plan. And you have got to show up before the park opens to have the most success seeing a lot of attractions during the day. If you’re staying on-site, you’ll be able to book your FastPass+ reservations 60-days ahead. I think off-site folks can now book them 30-days ahead.

I would recommend The Unofficial Guide to Walt Disney World 2014 or the With Kids version (or 2015 version once it comes out), the Touring Plans site, blog and absolutely the app; and EasyWDW.com for the blog, forums, touring plan cheat sheets. I made our own touring plans using both sites, and put them in the Touring Plans app to see waits in real time. We rocked it on our first morning by being through bag check and the turnstiles 20 minutes before the park opened on a morning where on-site guests got in an hour early. We did something like 12 attractions before lunch, with no waits (basically walk through the queue and get on, or maybe a 5 minute wait, tops). We had a 15-minute wait meeting Minnie Mouse and Daisy because there were some in line ahead of us and the characters took a quick powder break while we were in line. No big deal.

Other days, we arrived slightly after park opening and we got less accomplished, but it was still doable and fun. Arriving early is so key.

When making FastPass+ reservations for each day, you can take a screenshot with your phone and save that as your lock screen for the day. That way, you can see your time reservations by peeking at your phone’s lock screen, rather than having to log in. Saves battery life and time.

Related:

Awhile back, I shared how we used credit card rewards to pay for more than $900 of our trip expenses

The day after vacation is a bummer. Looking forward to saving up for our next one, whenever that may be!

 


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Apr 17 2014

Earning the last little bit of cash back on one credit card to hit the payout

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This will be so obvious to many of you. But it wasn’t immediately apparent to me, so I thought I’d write about it.

I am using two cash-back credit cards at the moment:

  • Citi – which gives 1% cash back on all purchases. A few months ago, it had around $43 in the “cash back” earned total, and it requires redemption in increments of $50.
  • PNC – earns 1.75% cash back on all purchases. Must hit $50 earned to redeem, but can be in any amount. So, you could redeem $60, for instance. Love that.

Since PNC gives the most cash back, I had been using that one as my primary card. I had one bill automatically paid by the Citi card, just to keep it active. I figured if I stick with my PNC card, I would get the most cash back because it has the greater percentage.

BUT.

I was looking at it all wrong.

I had $43 in the Citi redemption pot, and I would never get that money unless I spent $700 more on that card (1% of $700 = $7, which is how much more I needed to reach the $50 payout).

So rather than looking at the Citi card as a 1% cash back, I could look at it as “Spend $700 on the card, and get $50 back.” That bumps the effective percentage rate much higher — around 7%, if you were thinking of it that way.

I put more regular bills on the Citi card: electric, phone, internet. It took a few months, but I have hit the $50 minimum (there’s now $51 and change).

I redeemed the $50 and will lose the $1. Whatever.

Next, I switched those bills back to my 1.75% cash back card.

It took a little bit of effort, but getting that $50 was worth my time.

I may put a small reoccurring bill on the Citi. Perhaps Netflix.

You may recall that I worked an introductory offer with Barclaycard to get more than $900 in rewards. That was awesome! Right now, I’m not working any more deals. I’m just doing using the cash back card(s). I plan to save the money to use for Christmas gifts.

How about you?

***

New site alert:

I have launched a new site. I realize the target audience isn’t likely most of you here, but I thought I’d share it here anyway in case a few of you are Indiana homeschoolers. The site is for field trip opportunities in Indiana. If that topic interests you, I would love to have you follow Indy Field Trips via feed reader and/or Facebook!


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Hey! I'm Kacie, wife and mother of 3. I write about my family's finance: how we save money, improve our spending, and plan for the future.

I hope I can inspire and encourage you to improve your situation. See disclosure.

I'm adopting a much slower-paced posting schedule, and treating this as a hobby blog now.

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