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How to Save for Your Vacation to Disney World

Jun 26, 2017

What’s next? You’re going to Disney World! Before the long-awaited vacation is here, learn how to save for a vacation with some helpful tips.

Three Vacation Savings Tips:
How to Save for a Vacation to Disney World

Start saving early

Open a vacation savings account with PFCU to put away money from each paycheck to make your dream vacation a reality. Members can set up automatic transfers on payday to make saving even easier. There is a separate share used specifically for your vacation fund, and deposits can be made through Direct Deposit, Teller Net and Teller Phone by mail or by visiting a branch. For extra inspiration, members can change the name of the account in settings on Teller Net.

Similarly, teach your children how to save for the big trip. Buy Disney gift cards as birthday and holiday presents for your children and ask relatives to do the same. The gift cards can only be spent on your Disney vacation, so children will learn the value of setting aside their own spending money. The Moola Moola Kids Club at PFCU is a kid’s savings account that helps kids learn about the importance of saving.

Develop a game plan

Saving doesn’t stop once you arrive at the park! Download the My Disney Experience app to pre-book FastPass+ and reserve access to select attractions, entertainment and Character greetings. FastPass+ is free to all park guests, but be sure to get your passes early.

While it may be tempting to grab lunch or dinner at the closest spot after a long day at the park, consider dining locations farther away from popular Disney attractions. Restaurants outside of the parks tend to be cheaper. If you’re traveling with a large group, you may also want to get groceries delivered to your hotel to cut down on dining expenses. You can take advantage of the minifridges provided by Disney hotels to store these items.

Skip the gift shop

You’ll probably want to get a pair of Mickey or Minnie Mouse ears for the entire family, but the gift shop isn’t your best bet to join in on the fun. Prices will be marked up, and you’ll likely spend more than you planned. If your children insist on wearing a costume of their own, think about purchasing one online before your trip. Pricey souvenirs may be appealing in the moment, but memories themselves will truly last a lifetime!

There isn’t a surefire way to eliminate all costs when saving for a Disney vacation, but a little preparation and research can go a long way. Consider different savings vehicles ahead of your trip and visualize your goals by using the PFCU savings goals calculator. Once you’re at the park, look into the various attractions and dining options to create a game plan and pass over the pricey souvenirs to enjoy the vacation of your dreams at an affordable price!


Erin Ellis
Accredited Financial Counselor
Philadelphia Federal Credit Union
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Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.
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Additional insurance of up to $250,000 on your savings accounts is provided by Excess Share Insurance Corporation, a licensed insurance company.
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