Set up a savings account earmarked for your vacation and make regular, automatic contributions, you want to make sure funds are held in an FDIC-insured institution, and compare interest rates to what you’d get at a bank — though interest rates at banks are so low right now it’s almost shameful.

Janet Bodnar

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An emergency is needing a dress for the sorority dance, or picking up the check for everyone at the pizza place because nobody has any money, you think of plastic ... as a convenience. Kids think of it as a direct line to your wallet.

If they really need money, there are plenty of ways to get it to... by Janet Bodnar

If they really need money, there are plenty of ways to get it to them fast.

It sounds like the old Christmas club accounts that banks used to offer, you’d put in a certain amount of money every month and then you’d take it out at the end of the year, and that’s what you would use for your Christmas shopping.

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Try not to think of saving as being restricting, it’s also very freeing. If you know you’re setting aside money for a goal, then you know you’ve taken care of it and don’t feel guilty about other spending decisions you make.

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It sounds like a smart marketing move because Disney wants to make it easy for people to visit the parks, and it also looks like a smart move for people who want to take their families on Disney vacation.