Tag Archive | budget

Our Frugal Disney Vacation

One day at Disney World can be expensive for a family of 6, but 5 days can be down right ridiculous. You can read about how we save for our Annual passes and this vacation here.

We stayed at the Fort Wilderness Cabins. I chose here because I have always wanted to stay in a cabin and it also came with a kitchen. Now Disney has quite a few options for large families. There is the option of getting 2 rooms at the same hotel, but you are not guaranteed side by side rooms, though I have never had a problem getting them. But there is no kitchen and would have to go out to eat for every meal. Then there are family suites at some hotels that sleep up to 6 and have a kitchen, problem though is you hear everyone walking through the halls and talking loudly. The cabins are placed about apart from each other so you don’t hear all the footsteps and voices.  Comparing the cabin and the family suites, the cabin turned out to be much better priced. Now the cons, we are early to bed and early to rise people, so I didn’t take that into account when it came to the daily 10pm fireworks show that we could hear clearly even though it was at Magic Kingdom across the lake. The kitchen was poorly stocked as far as cookware. Let’s say it took some adjustments to cook the meals I did cook. Can you say aluminum foil cookie sheet?

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After we checked in, we headed for the nearest Publix to do some grocery shopping. I had it planned where we would have one dinner and one breakfast out and the rest at the cabin. And of course for the first night we grabbed some subs at the store. For a total of $160 which we took from our grocery budget.

Breakfast: Pancakes, french toast sticks, toaster strudels or breakfast sandwiches and then out to eat. You have to have Mickey waffles once while at Disney.

Dinners: subs, Burgers, chips and leftover potato salad, Golden Corral, Chicken Cordon bleu and tater tots.

Not the healthiest meals but better than hamburgers and french fries everyday.

Now as you can see I left lunch out because we were mostly at the parks during that time. And most of the time we didn’t eat breakfast until 9am so we weren’t hungry for a big lunch. We mostly purchased snacks. First day was fruit, second day we actually ate a big lunch, third day funnel cakes and last mickey pretzels and churros. (Don’t judge it’s a vacation from our diet too!)

Souveniers are a given when you are at a place like Disney. My older kids had earned or saved some money before the vacation. I had also earned 4 free $10 Disney giftcards with our movie rewards and then my grandmother gave each of them $5. So each had $10-15 saved, a $10 giftcard and an additional $5, once it was gone it was gone. And Mom and Dad weren’t handing out extra. This was to be spent on whatever (within reason) they wanted. We provide necessities but if you want a bag of candy, you have to buy it yourself. This worked out well for some and not so well for others. But maybe it was a lesson learned. (Hopefully?!)

In the end, we came home with over $100 still in our pocket to put towards our next vacation fund. And a lot of priceless memories!

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Being Frugal and still have fun!

Last month, my family went and bought Season passes to Walt Disney World.

WHOA! What! Wait a minute! I know I have been posting on being frugal and then I just went and dropped a ton of money on Disney passes! How can that be? Well let me tell ya!

Back in the good ol’ days I could swipe a credit card and buy our passes and not even blink about. No biggie right? I’ll just pay it later or should I say Hubby would. Well then the economy apocalypse came and I didn’t have credit cards to rely on. All I had was cash. I knew our Disney days were numbered. I had been a passholder religiously since I was 13 years old. What was I going to do?

I ran across this website called Couponing to Disney  and I started reading about her ways of saving for Disney vacations. I thought I can do this. So the year my son was born I started a Disney fund. I would put all of the change we got when we would pay for something in a container. I also would have yard sales and sell items on craigslist. When those items sold, it went into the Disney fund. It took me a year to save up for passes and a weekend getaway. As soon as I cashed in a bought the passes we would start our next fund. Now the following year we got lucky, one of hubby’s distributors real screwed up an order of cabinet doors. Hubby sold the customer on them anyway but complained to the manufacturer. The manufacturer then issued us a refund and it was just enough to cover Disney passes.

This pass year I started adding more ways to save. When I would get gift cards, instead of going on a shopping spree for more things I didn’t need I put them toward groceries and put cash to equal the same amount into the fund. I also started using paid email websites to earn a little here and there. Any mail in rebates went in along with any random cash settlement checks from a lawsuit here and there. You know $2-$3 will add up over time. By the time Christmas and my birthday came around, I was only $300 short so hubby said take the cash as you present.

We also went out on a limb and planned a 5 day vacation. The kids and I pulled all of our gift cards together and have saved about $900 towards it. That is just from Christmas, birthdays and an awesome site called Mypoints.

This website gives you points per dollar you spend at well know retailers when you shop online. I did most of my Christmas shopping online this year and was able to rake up 15,000 points. Enough for about a $100 Walmart gift card.

These are just a few ways to be frugal but still have fun.

Our vacation is coming up in a week and 2 days (but who’s counting?). If you want to follow our trip, you can follow me on twitter  or instagram.

Back to basics~ turning frugal

6 months after we moved out here, the economy tanked and my hubby’s business took a massive hit. We had to quit paying on our credit cards and let 2 cars and hubby’s motorcycle get repossessed. It was awful feeling knowing you had a very, VERY successful business and in a blink of an eye it could all be taken away. But we kept at it and Hubby’s business was one of the few small cabinet shops to pull through. A lot of friends of his had to close their doors and walk away after years and years of being in business. We did everything we could to make it through and the best part is our children never knew we were poor. Today when I talk about the bad days, they are shocked. That I am thankful for.

During that time, I found ways to be frugal and live on cash only. Something I had never done in my entire life and something my hubby had to relearn. If there was no cash for it, then it wasn’t happening.

Now here we are 2013 and I have been looking back at all the stuff we spend money on that we really don’t need right that minute. First off, my hubby loves to spoil me and sometimes it’s very hard to say no when he wants to buy new boots (my obsession) or when he wanted to buy me an expensive camera because I said I would like to photography classes. And if a computer or TV breaks, we have to replace it ASAP. These are all things that could have been bought as christmas presents and he wouldn’t be struggling to get me something now. Hubby can be very extravagant sometimes, spend a $1000 at one time and not even blink. That shocks me.

We are still on a cash system, but have not been frugal at all. We eat out too much….way too much! And every time we go to the store the kids want drinks, snacks or toys. Hubby is constantly buying tools or other things he says he needs.

So with that said we have taken another hit. Now we need to cut back our grocery spending to just $500. I was spending anywhere from $800-$1000 and still listening to everyone complain there was nothing to eat. They also are in a phase of everything needs to brand name. My family also had an aversion to leftovers. Some family members would have a cow if they didn’t have a freshly prepared meal. I don’t even want to know how much money I threw out with all the leftovers.

Well change is coming. I am getting back to basics. The snacking all day is out! The sodas all the time is out! The fast food lunches is out!

We are self employed! We don’t have a 401K or retirement plan. We have only what we have saved. And since my hubby turns 40 next year and isn’t getting any younger. 2014 is my getting back to being frugal and saving year.

Time to break out the Dave Ramsey book and refresh.