Lynne, thanks so much for sharing your tips.
It seems a lot of people on this board can afford to go to Disney once or even twice a year! It's nice to know I am not alone. It has taken us 5 years to save up enough to go this December.
Our last trip was November 1999. We had such a wonderful time we were determined to go again before our oldest went to college.
When our tax refund came in this year, we finally had enough! Hurrah! Now any more we save will be for extras.
You're so right, family time is so important and we really wanted to do this for our daughters. The girls will not remember that our windows really need to be replaced, or that the carpet is pretty worn . . . but they will remember WDW for Christmas.