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This may sound silly, but one of the most economical things we've done is to buy into DVC. We've had five years of monthly payments, but have also had more than five trips to WDW in that time. Our loan will be paid off this summer and we plan on having at least one WDW trip per year. I know it's not for everyone, but if you've made the decision to make WDW your main vacation spot, the savings can become significant.