How to Finance a Disney Vacation

by Rachel Oliva
Financing your Disney vacation by cutting costs and saving your pennies.

Financing your Disney vacation by cutting costs and saving your pennies.

A Disney vacation is what every kid dreams of, but saving for that vacation can be a parent's nightmare. Perhaps in another life you'd have a special fund just for vacationing, but in this life, you need to figure out a way to finance your family fun. There are some quick and easy ways to finance a Disney vacation, even if your trip is only a couple of months away. Financing your Disney vacation is about cutting costs in small areas--and saving big.

Cut Small Costs & Save Big

Create a spending plan. Decide how much you're going to need for the Disney vacation. Consider the price of flights (or gas if you're driving), hotel, meals and admission tickets into the park--as well as extras inside. Total all this up.

Cut back in places if the spending plan is too much. Find a cheaper hotel. Find a hotel that offers kitchenettes in the rooms so you can eat breakfast and dinner there (at least some of the time). Consider flying a different time for cheaper flights.

Look at your monthly bills to see if there is a service that you don't really use or need. Downgrade from premium cable to basic. Reduce your minutes on your mobile phone calling plan. Discontinue your membership with a gym if you haven't been there in the past year. Stash this money away.

Consider any habits you (or your significant other) might have that need to be confronted. For example, if you get manicures every week invest in some nail polish and a nail file.

Eat out of your pantry for one whole week during each month. Stay away from the grocery store and eat just what it is in your cupboards. Know that you probably have many more weeks in there. Stop eating out altogether (during that week and after).

Be Creative

Have a garage sale and get rid of junk you don't use/can't fit into/don't need. Save this money for your Disney vacation.

Put all of your loose change into a piggy bank every night. Cash it in before your vacation for some extra pocket money.

Give up meat for a week. Cook with fresh vegetables and use cheap staples like pasta and brown rice. Find new recipes in a vegetarian cookbook.

Reduce entertainment spending. Check out movies from the library instead of using a movie rental service in the months leading up to your vacation. Put that money into your vacation fund.

Sell any old books or DVDs on online (there are many to choose from). Sell random stuff you don't need or want on an online auction site.

Items you will need

  • Pen
  • Paper
  • Internet (for pricing in making a spending plan)
  • Calculator
  • Monthly bills
  • Vegetarian cookbook
  • Piggy Bank
  • Savings account (optional)


  • Bring your own bottled water. Vending machine water is expensive and you can't bring it on rides. Get a FastPass. It's a free thing that will save you lots of time while there. Research deals for Disney by doing searches online. Look at discount websites for travel for great deals on hotels, flights and car rentals. (Certain travel discount websites even offer Disneyland tickets as part of a hotel/airfare package.)


  • Unless you put all of your newly saved money into a new account specifically for your Disney vacation, you may be tempted to spend it. Open a new savings account and don't carry the cash card with you.

About the Author

Rachel Oliva is a writer/actress who has been writing since 2005. She has been published in "Valley Scene Magazine" and her voice has been featured in television and radio ads across the country. She holds a Bachelor of Arts in theater and psychology from Augsburg College. She studied acting at the Actors Studio and the Royal Theatre and writing at the UCLA Writer's Program.

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