My husband and I lived and worked there at the parks for ten years and then moved to Nashville to be closer to family. We became DVC members and my husband still works down there a few times a year so that we still get our tickets and passes. So, we are very fortunate that our hotel is paid for in advance and our tickets are free. We knew that if we did not do this, we would never be able to afford to take our children every year.
A few things that we do: We applied for the Disney Rewards Card with Chase and I pay for gas, groceries, doctor visits, clothing with this throughout the month and then pay my bill. This becomes my kid's spending money when we get to the park. We go immediately to city hall on main street with our card and they give us a cute Disney card with the reward amount downloaded to it.
We also stop at supertarget right before we check in and buy all snacks, drinks, and breakfast items beforehand. We usually have one special character breakfast, but eat all other mornings in our rooms. We take our own water and snacks into the park (they do not mind) and although we do love photopass, I always hand my digital camera to the character greeter. Many times I like my own photos better.
The "$5 disney Ts" type stores in Kissimee and surrounding areas are awful. The quality of the merchandise is not at all the same. Disney does have two outlets rather close by that can save you money if you have time to stop in. One is just outside of the Downtown Disney entrance on 536 in the goodings/Friday's shopping center and the other is in the big outlet mall (Lake Buena Vista Outlets) next to the food court.
Have a great time! September is such a good time to go.
S.
www.HappyWorkAtHomeMoms.com