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21:02:17 [MJ_CoHost] Hey Cheri
21:02:27 [PPCheri] Hey Margaret
21:02:41 [MJ_CoHost] I was just watching American Idol.
21:02:43 [PPCheri] let me go out and try cohost
21:02:46 [PPCheri] brb
21:03:08 [LGC_cohost] that works
21:03:11 [MJ_CoHost] Hi Suzy
21:03:21 [LGC_cohost] Hey suzy, see if you can get cohost in your name
21:03:40 [LGC_cohost] I thought we had a red
21:03:40 [SuzyQ] I'll Be back
21:04:02 [MJ_CoHost] Hi Disneylover
21:04:08 [LGC_cohost] Hi disneylove! Welcome to the Piggy banking it chat
21:04:14 [disneylove] ho there
21:04:19 [MJ_CoHost] Or is it just disneylove?
21:04:47 [disneylove] disneylover no room for thr r
21:05:05 [SQ-CoHost] Hello All!
21:05:17 [MJ_CoHost] That would have been cool but no lunches right now, have to get this project done!!
21:05:21 [SQ-CoHost] Well hello DIsneyLoveR
21:05:27 [MJ_CoHost] WB Suzy
21:05:29 [LGC_cohost] disneylover, not enough romm for all of limeGreenCheri either
21:05:30 [disneylove] hi there SQ
21:05:48 [MJ_CoHost] Cheri I don't know about you but I am sick of this bad weather.
21:06:06 [LGC_cohost] Me too MJ!
21:06:19 [LGC_cohost] We'll get started in just a few more mintues
21:06:27 [SQ-CoHost] Sorry to hear about the weather, MJ, Seattle is sunny and warm . . . er . . 55 degrees
21:07:01 [LGC_cohost] Suzy, we've had tornado warnings daily for about a week now
21:07:01 [MJ_CoHost] We have had rain, tornado warnings & flooding. I spent 45 minutes yesterday in our stairwell at work.
21:07:17 [LGC_cohost] I was in the closet Margaret!
21:07:31 [MJ_CoHost] Seattle - sunny????
21:07:31 [disneylove] warm it was 86 today and the AC in the van is not working
21:07:46 [MJ_CoHost] Oh get it fixed fast
21:07:57 [SQ-CoHost] I know, MJ, don't tell anyone - it's a secret we like to keep up here
21:08:19 [LGC_cohost] I agree disneylover, I don't care for 4/65 airconditioning. ;0
21:08:23 [LGC_cohost]
21:08:31 [disneylove] I will too the tune of 800 getting a 2nd opinon
21:08:53 [LGC_cohost] 4 windows down driving 65 mph
21:08:55 [MJ_CoHost] Ow that hurts
21:09:04 [disneylove] yep it works
21:09:38 [LGC_cohost] does that cut into your Disney budget disneylover?
21:09:57 [LGC_cohost] < - - - how's that for a lead in to the chat? 
21:10:08 [MJ_CoHost] Perfect segue
21:10:14 [SQ-CoHost] Yeah! Chat time!!!
21:10:20 [disneylove] I think it's going too
21:10:43 [MJ_CoHost] OK why don't we go ahead and get started. I am sure others will join in a few.
21:10:52 [MJ_CoHost] Hi Moley
21:10:56 [LGC_cohost] Hi Moley!
21:10:59 [SQ-CoHost] Hi Moley!
21:11:03 [Moley] Hey Pressed Pennies!
21:11:11 [disneylove] I think it will MIL is paying for half since she wants too go too disney
21:11:24 [MJ_CoHost] OK you have decided you are going to Disney, that is the easy part.
21:11:33 [SQ-CoHost] Yup!
21:11:38 [Moley] very easy!
21:11:47 [MJ_CoHost] The hard part for many is saving for the trip, right?
21:11:55 [disneylove] too easy
21:11:56 [Moley] very hard
21:12:09 [disneylove] yep
21:12:13 [SQ-CoHost] Hardest part . .
21:12:23 [MJ_CoHost] So how do you save?
21:12:30 [Moley] Yo Esmerelada!
21:12:30 [LGC_cohost] Hi Esmerelda
21:12:41 [Esmerelda] Hi everyone :-)
21:12:41 [MJ_CoHost] What neat little tricks do you have?
21:12:47 [disneylove] you save and then something happens too van
21:12:48 [MJ_CoHost] Share them with us.
21:12:51 [LGC_cohost] I put my rebates into Disney dollars today!!!!
21:12:51 [SQ-CoHost] O-tay! For all you who just entered "Welcome to the Piggy Banking It Chat!"
21:13:05 [LGC_cohost] Hi Betsyann!
21:13:09 [disneylove] save change turn into disney dollers
21:13:10 [SQ-CoHost] Hi BetsyAnne and Esmerelda, "Welcome to the Piggy Banking It Chat!"
21:13:17 [BetsyAnn] Hey everyone -- Sorry to be late!
21:13:18 [MJ_CoHost] What kind of rebates do you get Cheri
21:13:20 [Moley] I do a fixed budget amount and take it off the top of paychecks with our savings.
21:13:36 [Esmerelda] Every time I go to the mall (once a month or so) I will pick up a few disney dollars
21:13:41 [MJ_CoHost] Can someone tell Steve to come to the Disney Chat instead of Lunchtime
21:13:46 [LGC_cohost] I got 2 rebates from turbo tax and 1 rebate from my contact lenses
21:13:56 [MJ_CoHost] Steve = Brer sorry.
21:14:16 [Esmerelda] Hi, Brer!
21:14:20 [SQ-CoHost] Hello Brer - Welcome to the Piggy Banking It Chat
21:14:24 [BetsyAnn] Hey Brer!
21:14:25 [MJ_CoHost] So Moley do you figure out how much you need per month? Is that what you mean?\
21:14:27 [disneylove] hi Brer hows the puppy
21:14:29 [Moley] Hey Brer 
21:14:31 [Brer] hi guys
21:14:38 [LGC_cohost] Hi Brer
21:15:09 [disneylove] hi Esmerelda
21:15:18 [BetsyAnn] LGC_cohost> you can just type / invite person name and it sends a link to them no spaces of course
21:15:20 [Brer] thanks for finding the lost, guys~
21:15:36 [Moley] I set an amount I could afford. It became larger when I got a job. And I save that fixed amount every month. Depending on how fancy we go is the time it takes to save the right amount.
21:15:44 [LGC_cohost] duh, I remembered that after I left... it's the medicine
21:15:57 [Esmerelda] Brer, we need one male to provide entertainment after the chat
21:16:04 [BetsyAnn] That is a great idea Moley
21:16:06 [Brer] puppy is as cute as a buttn.....fiesty as he can be
21:16:17 [LGC_cohost] Brer, we just brought you back into the fold!
21:16:24 [SQ-CoHost] Great plan, Moley - those jobs sure do help a lot in budgeting!
21:16:25 [Moley] Another thing we do is budget lavishly and then when we don't go to every dinner we planned or every event, then we have money left over to start the fund again.
21:16:54 [LGC_cohost] you have money left over Moley? I'm not that disiplined
21:16:55 [Brer] <haave ordered connections vouchers yesterday
21:16:57 [Esmerelda] Moley, I do that too-and I found $100 in traveler's checks that I didn't use last trip :-)
21:17:10 [Esmerelda] I ALWAYS have money left over
21:17:15 [disneylove] left over money,whats that?
21:17:21 [Moley] when I got a raise, I added the increase to the vacation fund. That is my massage money!
21:17:23 [Brer] <never has $ left over......
21:17:35 [SQ-CoHost] Brerb, We have used Connections quite successfully, though they don't factor a lot into our budget planning
21:17:41 [LGC_cohost] I have left over money until the last day of the trip, then it's not left over. LOL
21:17:57 [disneylove] LOL LCG
21:18:07 [Esmerelda] by the last day, I am already planning my next trip, so I want to save some money
21:18:23 [Moley] I try to use all leftover travel checks and large amounts of cash on the room bill so there is very little on the charge card.
21:18:23 [LGC_cohost] Hi Rosebud
21:18:47 [Esmerelda] A big "savings" plan for me was buying into the DVC
21:18:47 [Rosebud] Hi
21:18:48 [SQ-CoHost] Welcome Rosebud - We are Piggy Banking It Chatting
21:18:53 [Moley] If we can, we try to prepay all the trip so no interst is being paid.
21:19:01 [Brer] bought Q&C , a few for Boma's... and a few for CP
21:19:02 [Esmerelda] Hello, Rosebud :-)
21:19:03 [disneylove] sometimes it's hard too save cause we make last min.trip plans like let's go in 3 months
21:19:11 [LGC_cohost] I always prepay the trip, no credit cards here
21:19:27 [Brer] got an offer from DVC today
21:19:28 [Moley] never did that one, but it sure sounds like fun, disneylove!!
21:19:31 [Esmerelda] I prepay the trip too, that way I can enjoy it and not have to feel guilty
21:19:40 [MJ_CoHost] Sorry guys having trouble with the chat tonight
21:19:50 [BetsyAnn] I am with the pre-pay plan -- it seems like you are getting something for nothing! lol
21:19:50 [LGC_cohost] Do you budget down to the penny or just a set amount per day?
21:19:59 [disneylove] we do pre-pay hotel that's the bigest cost
21:20:01 [Brer] all the storms MJ
21:20:02 [LGC_cohost] I got your back MJ!
21:20:02 [SQ-CoHost] When you pre-pay, do you just call them up and say you want to pay the bill in full?
21:20:04 [Esmerelda] once I decided on a trip and left two days later, lol
21:20:06 [Moley] almost down to the penny for large items.
21:20:21 [MJ_CoHost] I too like to have as much prepaid as possible, it helps on budgeting.
21:20:28 [Moley] big dinners, tix, tip money, all get added in .
21:20:33 [MJ_CoHost] Probaby Brer
21:20:37 [Brer] w/o DVC ... i would be in trouble with vacations and budget
21:20:46 [Moley] brb
21:20:46 [SQ-CoHost] We just make a general budget (in our heads) as to how much we will be spending as a whole and go from there.
21:20:49 [LGC_cohost] Suzy, I pay my bill every 2 weeks or so. I write them a check and stick in the mail. I keep up with my cancelled checks just in case there is a problem
21:21:00 [Esmerelda] I prepay for the resort and have annual passes, so all that is left is food, entertainment and tipsuy
21:21:03 [MJ_CoHost] Speaking of tips I now print up those MouseKeeping Envelopes & put the tips in ahead of time.
21:21:07 [Brer] watching the storms out the window here
21:21:36 [MJ_CoHost] Anyone have any neat tricks to help save?
21:21:37 [LGC_cohost] Hi tilt!
21:21:45 [SQ-CoHost] Welcome to the Piggy Banking It Chat - Tiltawhirl!
21:21:45 [Brer] LA nad I have annual passes for his trip....so that does help
21:21:45 [Esmerelda] I like DVC-no housekeeping, so no tips-I'm VERY cheap
21:21:47 [BetsyAnn] Hey tilt!
21:21:47 [disneylove] we do that too MJ
21:21:57 [tiltawhirl] Hi everybody
21:22:11 [Brer] never thought of it that way Sus
21:22:14 [Esmerelda] Hi tilt :-)
21:22:21 [MJ_CoHost] I save CHANGE & boy does it add up. I never ever give anyone change even in Disney. I usually have quite a bit when I return from Disney
21:22:22 [LGC_cohost] I have a neat trick. I sold my hubby's not running truck this weekend! LOL
21:22:36 [tiltawhirl] best way to save bucks that I know, if staying on property, is to buy an AP! then go a year earlier next year. With the savings on on-site accomodation, you can only be a winner
21:22:40 [SQ-CoHost] Tilt, we are talking about how we plan our budgets for WDW trips
21:22:57 [Esmerelda] Brer> nope, not for months! how about yoU?
21:22:59 [BetsyAnn] I also pre-pay the tip envelops including bellhops and drivers if needed
21:23:26 [MJ_CoHost] You are right tilt. I bought AP's last June & am getting 21 days out of those babies.
21:23:27 [SQ-CoHost] You posted faster than me, Tilt - great plan - that is what we do
21:23:34 [LGC_cohost] I'm also the queen of buying Disney Dollars. The CM's know me by name and it embarasses my hubby, he says "something is just NOT right about that"
21:23:54 [Esmerelda] When I used to take foster kids-we would think of lots of ways to save. Make pizza on Friday night instead of ordering out
21:24:04 [SQ-CoHost] LGC, we just started doing that thanks to you!
21:24:13 [tiltawhirl] LOL@LGC!
21:24:21 [Esmerelda] We would put all the money from rebates and coupons in our savings jar
21:24:26 [disneylove] Cheri they know us here too they wait for the change with a smile on thier faces
21:24:45 [MJ_CoHost] Cheri I have 250.00 saved in Disney Dollars for my trip. One year I paid the room off with them. CM at front desk thought that was cool
21:24:59 [Esmerelda] Brer> do you have her phone number?
21:24:59 [LGC_cohost] SQ, I've saved $1000 Disney Dollars since Jan.
21:25:05 [Rosebud] Esmerelda - how much rebating do you do?
21:25:24 [disneylove] last trip we had $800 in disney money paid for all the sit down meals and then some
21:25:25 [tiltawhirl] WOW! LGC
21:25:26 [Esmerelda] WOW! Cheri! No wonder they know you by name!
21:25:30 [BetsyAnn] that is a great amount, LGCheri!
21:25:33 [Rosebud] Wow, you guys are the Disney Dollar collectors!
21:25:43 [SQ-CoHost] Husband had a good point, buy DD with Dis Visa and you come out ahead!
21:25:46 [LGC_cohost] I only wish the Disney Dollars came in a bigger demoniation than $10
21:25:48 [MJ_CoHost] If you valet park you might want to put some one's aside for that. It can really add up
21:25:54 [Esmerelda] I don't do a lot of rebates anymore, but when I had teenagers, they did a ton
21:26:09 [LGC_cohost] I stopped buying my lunch at work $30 per week
21:26:27 [MJ_CoHost] Cheri that is alot of Disney Dollars. The only thing that worries me about DD is that they are just like cash & I would not want that much lying around.
21:26:28 [LGC_cohost] I cancelled the YMCA membership that i didn't use $70 per month
21:26:43 [Esmerelda] I am taking my lunch to work too
21:26:47 [LGC_cohost] and I cut down on the cable bill $20 per month
21:26:50 [SQ-CoHost] So far, we just save out extra change and try to make a little extra with points and surveys
21:26:52 [LGC_cohost] all that goes into the fund
21:26:52 [Rosebud] I'm afraid I can't help with planning ahead to save money. If I bought Disney dollars I would be cashing them in to pay for something else I needed.
21:27:05 [LGC_cohost] MJ, they are in the safety box!
21:27:20 [Rosebud] I haven't had a cable bill for years and years - no savings there for me
21:27:27 [MJ_CoHost] Here is a little trick I have. I write the check for the correct amount but round up in my checkbook. It adds up, I have almost $200.00 over in my checkbook now.
21:27:28 [SQ-CoHost] Rosebud, do you make a budget of sorts for trips?
21:27:44 [LGC_cohost] That's the reason I don't do travelers checks until the last thing Rosebud
21:27:46 [Brer] i had some cash in the safe...but i got hungry last week , so i
spent some of it..... 
21:27:47 [Esmerelda] Rosebud, I don't have cable either-I thought I was the only one in the world!
21:27:56 [Rosebud] Not really. When I know I'm going, I take most of one pay check and that is what I spend
21:28:05 [MJ_CoHost] The good thing about Disney Dollars for me is that the Disney Store does not carry hardly any adult stuff anymore.
21:28:25 [SQ-CoHost] Hubbie and I are going to try to save by not getting a phone line in our home since we both have cells.
21:28:27 [LGC_cohost] see what I mean Brer, if it's cash, I say "just $20 won't hurt"
21:28:30 [Brer] caable and internet are 64 per month here
21:28:31 [MJ_CoHost] Got to feed the kid too Brer, huh.
21:28:33 [Rosebud] The couple of times I got an AP when I knew I would be going back within a year or staying for longer and used income tax for that
21:28:47 [BetsyAnn] Esmerelda> I work so I can afford my Disney habit --
21:29:16 [Brer] we are going to get about 20 days out of our AP this year
21:29:21 [MJ_CoHost] Now that brings up a question. Do any of you use your income tax refund check for Vacation? I know I do.
21:29:27 [Rosebud] I work to live - Disney habit just has to fit in to make me be able to live
21:29:28 [Moley] back
21:29:37 [Esmerelda] I got 31 days on my AP in 2001
21:29:38 [LGC_cohost] I signed up to work 3 night shifts to help out with an extra trip to Disney
21:29:47 [Brer] wow SUS..way to go
21:30:02 [disneylove] this trip yes
21:30:03 [tiltawhirl] if you really want to save some bucks, bring a roll-on cooler to the Olive Garden with you and your family(works better when theres lots of people) and inconspicuously empty fresh bowls of salad and garlic bread sticks into the cooler, until it's time to leave! ;-)
21:30:11 [LGC_cohost] wb Moley
21:30:14 [Rosebud] Only have used the refund for AP - most times goes to paying some bill
21:30:14 [Brer] can i work for you Susan ?
21:30:25 [Esmerelda] Great tip, Tilt ;-)
21:30:28 [disneylove] LOL Tilt
21:30:30 [Brer] LOL..Tilt!
21:30:33 [Rosebud] Great idea Tilt!
21:30:35 [MJ_CoHost] Disney is what my son & I like to do so it is just something we save for all year. We give up alot of things so we can enjoy our time together in Disney.
21:30:44 [Esmerelda] lol, Brer. I hope you are not that desperate
21:30:44 [Brer] jinx DL
21:31:10 [disneylove] my mom doesn't understand why we keep going back
21:31:23 [BetsyAnn] LOL Tilt -- great plan!
21:31:32 [MJ_CoHost] I also write myself $10.00 a week in my checking acct.
21:31:48 [Brer] Thumper and I were going this summer after our June trip...but he said" Dad, let's not go and save the money" so icalled DVC and added a day for our June trip
21:31:51 [Esmerelda] Disney is actually a high priority in our life too-it is as much a part of our budget as our utility bills or anything else
21:31:51 [Rosebud] So many people say to me "but it is so expensive" - I say "only if you make it expensive"
21:31:55 [MJ_CoHost] Oh disneylover I get so tired of explaining to non Disney people why we keep going back.
21:32:02 [Rosebud] I spent more money on a trip to NH
21:32:02 [SQ-CoHost] Most of our friends think we're a bit on the nuts side, but Hey! It's FUN!
21:32:07 [Moley] MJ that is a great idea. 500 a year can buy tix.
21:32:07 [LGC_cohost] MJ, how do you keep track of that $10, do you make a spread sheet or something?
21:32:25 [LGC_cohost] Rosebud, what is your best budget tip?
21:32:34 [Esmerelda] With being a DVC member and having annual passes, it is cheaper for us to vacation in WDW than anywhere else
21:32:38 [Brer] those who haven't been could never understand
21:32:46 [MJ_CoHost] I just write 10.00 each week & keep a running total in my check book.
21:32:57 [Brer] agreed Esmerlda
21:33:07 [Rosebud] Brer, the sad thing is some people that have been, don't understand
21:33:34 [MJ_CoHost] This week on Friday I will write 10.00 & call it Vacation. Right next to that I keep the total I have so far. Does that make sense??
21:33:35 [tiltawhirl] I know lots like that Rosebud
21:33:37 [Esmerelda] I actually want to go somewhere else, but when I figure up the cost, I always head back to WDW
21:34:00 [Brer] trying to figure out how to squeeze IOA in this trip...but the $$ of tickets....
21:34:12 [Esmerelda] People either "get" Disney or they don't. I feel sorry for those that don't
21:34:14 [LGC_cohost] When we added up the cost of stuff to do around home, we could go to DW for the same amout, so out of town we went
21:34:28 [Esmerelda] IOA has some good deal on passes right now
21:34:33 [Moley] MJ, I do the same thing. We put the money in savings, but I keep a separate ledger as to what we have saved for vacation.
21:34:33 [MJ_CoHost] We say each year we are going somewhere else but keep going back.
21:34:44 [SQ-CoHost] Brer, do you belong to anything like Hilton Honors? You can use their points to buy Universal IOA tix
21:34:47 [LGC_cohost] Rosebud, do you have a budget or just a portion of the paycheck before your trip?
21:34:49 [disneylove] night all take care and ride out the storms
21:34:57 [Brer] We went to 6 Flags a few years back....for the cost..i will save my $ and go to WDW
21:35:01 [MJ_CoHost] Why don't they though? I am hoping my family of newbies will get it but am so afraid the Mom will not.
21:35:09 [MJ_CoHost] night disneylvoer
21:35:13 [LGC_cohost] nite disneylover
21:35:22 [Esmerelda] I am not going to buy annual passes next year though-determined to try something new-we are doing the 4 day disney cruise though
21:35:32 [Brer] Hilton Honors....? don't think so
21:35:33 [MJ_CoHost] I just do not like Six Flags & it is only 15 minutes from me.
21:35:38 [LGC_cohost] LOL Brer and SixFlags over Ga has gone downhill. it was nasty last year!
21:35:41 [Rosebud] LGC, pretty much just a portion of one paycheck
21:35:46 [Moley] I do another trick. I do a lot of our clothes shopping at Walmart. <models happy face big butt slacks for room> Whatever I save on jeans or shirts, I put the difference in vacation fund.
21:35:57 [Brer] There is something i joined a while back...don't remember tho
21:36:16 [LGC_cohost] I've done that in the past too Rosebud
21:36:16 [MJ_CoHost] OK we have come up with lots of way to save for the trip.
21:36:16 [Esmerelda] I think some people are just too rigid or cynical to let their guard down-if you don't let your guard down you can't enjoy Disney
21:36:44 [Brer] i joined the survey thing
21:36:53 [Esmerelda] I take a lot of our clothes to the consignment shop and that money goes toward our vacation fund too
21:36:54 [BetsyAnn] I think that the cost of WDW or even DL is something most people don't think about getting a deal on
21:36:55 [Rosebud] Moley, I have tried the clothes at Walmart, but I can never seem to find anything that fits right
21:36:55 [tiltawhirl] I have a Paramount Park about 30 minutes from where I sit. Didn't visit once last year
21:37:02 [LGC_cohost] LOL Moley, and they are looking mighty fine
21:37:13 [MJ_CoHost] Now lets talk about food. Do you allow yourself a certain amount for food or is food part of the vacation budget?
21:37:25 [Esmerelda] I spend less money on three trips a year than most people spend on one
21:37:31 [SQ-CoHost] Hilton points let's you convert mileage points and use them towards Disney and Uni tix (though the deal is with Uni).
21:37:40 [Brer] budget?? budget ?? are we on a budget ?
21:37:43 [Rosebud] We got season passes for Six Flags when they opened here and built a waterpark, but then I found out they closed the water park at like 6;00. I wanted to go after work, so never again
21:37:47 [SQ-CoHost] I put all the miles that I wouldn't normally use into Hilton Points
21:38:17 [LGC_cohost] If the food budget is tight I use the menus off Deb Wills site and pretty much get the food budget down to the penny
21:38:18 [Brer] i am trying to win the disney/visa contest!!
21:38:22 [MJ_CoHost] I am in the middle on the food. Eating out is part of the vacation experience for me but we do eat at counter service many times.
21:38:26 [BetsyAnn] food - get topic
21:38:26 [tiltawhirl] I always take what I think we might spend on food, and then double it to be safe. When we leave, I always feel like "man, we only spent HALF our food budget hon! we must have lost weight!"
21:38:31 [Esmerelda] Our weekly food budget is $100 so I take that $100 to spend for food in WDW-and I pick up snacks and stuff for weeks before we go as part of our grocery shopping
21:38:36 [Moley] LOL, Brer!
21:38:47 [LGC_cohost] < -- reminding Brer what this chat is about
21:38:47 [SQ-CoHost] For food, we generally plan only 2 nice dinners and then we try to hit quick/casuals for the rest - usually sharing too
21:38:53 [Moley] and LOL, Betsy Ann!
21:39:04 [BetsyAnn] I budget so much per day -- usually high - then use extra for other things
21:39:04 [Rosebud] We do a lot of sharing of meals. Eat lunches rather than dinners. Make sandwiches for dinner or quick service. Lots of different things
21:39:12 [MJ_CoHost] Wow Susan my daily budget is 100.00 for everything.
21:39:15 [LGC_cohost] $100 for a whole week Esmerelda?
21:39:21 [Esmerelda] I am only going to do one sit down for this trip and cook some easy stuff in the Villa
21:39:30 [Brer] the connections vouchers are our deal for saving money besides oatmeal and bananas
21:39:30 [LGC_cohost] I budget $100 a day
21:40:00 [Moley] We budget 150 a day for food and extras. We rarely spend all that.
21:40:03 [Rosebud] If I spent $100 a day on food I wouldn't feel like I was budgeting
21:40:05 [BetsyAnn] Now with the package that can be used for meals - I can pre-pay and still eat great food!
21:40:07 [Esmerelda] No, I add to the $100, but I factor in that I would spend $100 a week even if we stayed at home
21:40:13 [MJ_CoHost] I just am not the kind to take snacks, I guess I figure I save myself silly all year long so I don't want to at Disney.
21:40:17 [Rosebud] Only 2 of us though
21:40:27 [LGC_cohost] that $100 a day is for 2 adults and 2 children
21:40:32 [Moley] That is pretty lavish for 2, but then room service is part of the Lazy Butt mandate.
21:40:41 [Brer] we split a beaches and cream dbl cheeseburger and No Way Jose...11.25 for 2 people
21:40:43 [Esmerelda] But I only budget $50 a day for two of us and that includes everything-food, e-nights, tips, etc
21:41:04 [MJ_CoHost] Rosebud my son could spend that much alone if I let him. He is a growing teenager. The 100.00 is for everthing, gas, food, souvenirs, tips, gifts etc
21:41:06 [Rosebud] I hardly ever buy souvenirs, so no money really needed for that
21:41:07 [Brer] that's great Sus!
21:41:10 [LGC_cohost] I only take snacks because my 3 year old doesn't understand "in a minute" when he's tired and hungry
21:41:13 [BetsyAnn] That is about what we budget for two also Moley -- and usually spend about 75 - 100
21:41:31 [Moley] I buy souvenirs like I'm opening up my own warehouse. 
21:41:55 [Esmerelda] Elayna is deprived-only $20 for souveniers each trip
21:42:02 [MJ_CoHost] I tend to buy gifts more than sourvenirs.
21:42:03 [LGC_cohost] Somebody mentioned Connections vouchers earlier. How do these work?
21:42:05 [SQ-CoHost] Speaking of souvenirs, do you budget them?
21:42:13 [BetsyAnn] I have to have my Mickey beanies, my Mickey glasses, my Mickey phone, my Mickey .... you get the idea! lol
21:42:28 [Rosebud] I don't buy gifts for anybody
21:42:40 [LGC_cohost] * LGC_cohost is going on vacation with Auntie Moley. souviners and room service
21:42:51 [Rosebud] I window shop and remind myself that I don't need anymore stuff
21:42:52 [Esmerelda] LOL, BetsyAnn! Do you have a disney room in your house?
21:43:01 [SQ-CoHost] LGC, Connections is a company that offers the same vouchers that one would get if they booked the delux magic plan. They ar $11.25 and you get a main dish, side, drink, and dessert at walk-up restaurants and B&C
21:43:08 [MJ_CoHost] I splurged in December & bought myself a watch. Usually am pretty easy on the souvenirs. I like the Disney post it pads but they are only 2.50 each
21:43:08 [BetsyAnn] The bar, baby the bar --- LOL
21:43:08 [Rosebud] I have toooooo much stuff already
21:43:09 [Moley] LOL, Cheri!!
21:43:14 [Brer] vouchers...you buy them from connections123...11,25 for an entree, drink and dessert..your choice of lunch places,but best deal is Beaches
21:43:21 [Moley] You would have to fetch all my Dole Whips!
21:43:31 [BetsyAnn] and the bathroom and the bedroom and you get the idea! lol
21:43:47 [LGC_cohost] How do you know what resturants accept the vouchers?
21:43:57 [Esmerelda] I will fetch your Dole Whips for you, Moley. When is our next trip :-)
21:43:58 [Rosebud] I know some people join connections for trial period and then that is it, but then what do you do next time?
21:43:59 [MJ_CoHost] What about sit down meals - do you budget for them. How often do you do them?
21:44:07 [SQ-CoHost] There is a list of Rests on the back of the vouchers
21:44:10 [Brer] there is a list on Deb Will's site i think
21:44:28 [Brer] <slow typist here LOL
21:44:31 [Moley] yes, we budget for big ones, like Narcoosee's.
21:44:34 [Esmerelda] LOL-I want to get a Pooh Comforter for my bed, but am worried what people will think about my maturity level
21:44:36 [MJ_CoHost] We like to go to a couple of nice restaurants each trip but try to go for lunch to save money.
21:44:57 [LGC_cohost] lol, we'll forgive you Brer
21:45:07 [Brer] wondering how often i can rejoin the trial deal
21:45:09 [MJ_CoHost] Jiko though is a night time restaurant.
21:45:10 [tiltawhirl] I have that same problem Esmerelda! ;-)
21:45:10 [LGC_cohost] tilt, you with us?
21:45:11 [Moley] oh honey, We already know the maturity level is way down there.
21:45:16 [BetsyAnn] Esmerelda> They know what my maturity level is
when it comes to Disney
21:45:17 [LGC_cohost] oops there you are
21:45:22 [Esmerelda] I usually only do two sit down's a trip. I actually lose weight every time I go to WDW
21:45:34 [tiltawhirl] yeah...I ahve this lag from time to time, really quite a
nuissance..
21:45:42 [Rosebud] We do lunches instead of dinners. We usually do one splurge thing - may be a meal, maybe water sprites. It also depends on trip and if we even have money for a splurge
21:45:43 [MJ_CoHost] I wanted to join Connections but think I have waited to late. Going in 16 days!!!!
21:46:02 [LGC_cohost] I had to put in an extra $90 for the july trip for Hoop De 'Doo
21:46:08 [Esmerelda] Well, I was going to get a Pooh Comforter for Elayna instead but she said she was too old-that was baby stuff, lol
21:46:23 [Moley] ouch, hoop de doo is hight
21:46:29 [SQ-CoHost] MJ, you can always check with the boards to see if someone wants to sell theirs.
21:46:33 [MJ_CoHost] The extras are why I try to budget 100.00 per day. Matt wants to try the Water Sprites this year.
21:46:36 [Esmerelda] I am shocked how expensive Hoop De Doo has gotten, but I do love it
21:46:48 [MJ_CoHost] I looked but they were too high.
21:46:54 [Brer] we have a breakfast at CP(darn must get the PS done ..) and dinner at Boma's...another PS...can i get them done ???
21:47:07 [MJ_CoHost] We are going to 'Ohana this trip - have never been!
21:47:28 [SQ-CoHost] How much do you generally budget for the sit down dinners?
21:47:29 [Rosebud] Haven't done the sprites recently. I don't remember what we paid - it wasn't real cheap though, but real fun
21:47:33 [Esmerelda] I LOVE O'hana's! That might be our splurge this trip
21:47:42 [Brer] Ohana's is great ......
21:47:42 [SQ-CoHost] Yeah, MJ, going to my restaurant!! You wil love it.
21:47:43 [MJ_CoHost] Here is another little trick of mine. I bought some Rainforest Cafe Gift Certificates on Ebay for a great price.
21:47:59 [Esmerelda] I want to take Elayna parasailing, but I don't know how strict they are on the ages
21:48:08 [tiltawhirl] the Watermice are the best $20 for 30 mins you will spend on PROPERTY if you ask me
21:48:08 [LGC_cohost] It is Moley, but it is the one thing Hubby really wants to do and I won't deny him, because he didnt' deny me the trip to Disney for Dollywood. LOL
21:48:29 [MJ_CoHost] Then I started stopping by Joe's Crab shack every payday & buying 10.00 worth there. I now have $100.00 so we are taking my Disney newbies there the 1st night.
21:48:33 [BetsyAnn] SQ - I would say 50 and up for dinners in the really nice -- it depends on if you drink and get dessert -- add another 25 per person
21:48:44 [Moley] good thought, LG
21:49:34 [Esmerelda] I'm lucky now with Elayna being so young-she could care less where we eat
21:49:37 [LGC_cohost] If you have a car, and would like offsite fastfoods, you could buy chick fil a or taco bell, or burger king gift certificates every couple of weeks
21:50:03 [tiltawhirl] now thats my kind of menu LGC!
21:50:13 [MJ_CoHost] What about counter service. After a few days I get tired of everything with french fries. I read somewhere you could order at counter service no fries & save a couple of bucks. Anyone ever try this?
21:50:14 [tiltawhirl] I didn't know you had fancy taste!
21:50:15 [SQ-CoHost] LGC, go offsite!!!? Ack!
21:50:22 [Esmerelda] We bring a lot of food with us-so only eat one meal a day in the parks
21:50:26 [Moley] Time for me to go. Loved this chat. Thanks, Pressed Pennies!
21:50:28 [LGC_cohost] I've payed $50 for a meal all by myself at Disney haven't I Betsyann?
21:50:38 [MJ_CoHost] Offsite what does that mean????
21:50:44 [Esmerelda] Sweet dreams, Moley
21:50:46 [MJ_CoHost] Nite Moley
21:50:50 [SQ-CoHost] Good bye Moley - Have a peaceful eve
21:50:55 [Brer] night Moley!!
21:50:58 [LGC_cohost] SQ, crossroads is just across the street from property. and it saves mucho dinero
21:50:59 [BetsyAnn] Yes you have LGCheri! - it is the drink that can get you!
21:51:07 [Esmerelda] My most expensive meal was Jiko's. It was worth it though
21:51:11 [LGC_cohost] Bye Moley
21:51:19 [Rosebud] MJ - I heard you could get carrots instead of fries at some place
21:51:22 [SQ-CoHost] If I go anyware Offsite, then we go to the Orlando Ale House - lots of bang for the buck
21:51:29 [tiltawhirl] bye Moley
21:51:36 [tiltawhirl] durn LAG
21:51:36 [MJ_CoHost] Oh my Esmerelda I ate there in December with our own Ursulinda & PammyK it was awesome.
21:51:48 [Rosebud] Never really get the meals with fries, so never tried to get it without fries
21:51:58 [Esmerelda] Jiko's is my all time favorite-worth every penny
21:52:04 [MJ_CoHost] I have done that Rosebud but someone said you could just order a chicken sandwich.
21:52:06 [LGC_cohost] tilt, you need DSL or cable!! can you budget that somehow? LOL
21:52:09 [BetsyAnn] I love Jiko -- the wine was great, the food was better and the service was fun!
21:52:28 [Esmerelda] Rosebud, we often get carrots instead of fries-but you have to ask, a lot of times it isn't posted anywhere
21:52:35 [tiltawhirl] I am ON DSL!!!
21:52:52 [LGC_cohost] man! tilt, then you need a service call!
21:52:56 [BetsyAnn] It is the firewall - tilt -- the fire wall! lol
21:52:56 [LGC_cohost] Hi Sully
21:53:02 [MJ_CoHost] What about Desserts is that part of your budget?
21:53:04 [Esmerelda] Good evening, Sully
21:53:04 [SQ-CoHost] We don't have cable or DSL - not in the Disney budget
21:53:05 [BetsyAnn] Hey Sully
21:53:10 [tiltawhirl] it is my computer that is the [problem..and only with this specific chat type. Open client Java Jar based applets seem to work fine without the pauses in between
21:53:17 [SQ-CoHost] Welcome to the Piggy Banking It Chat, Sully
21:53:28 [tiltawhirl] Hi Sully
21:53:30 [Rosebud] MJ - Desserts are a meal for us
21:53:32 [Sully] Sorry I'm late I guess I missed all the good stuff
21:53:36 [MJ_CoHost] No DSL here either - not in my Disney budget.
21:53:40 [Esmerelda] No Desserts for me-but Elayna usually gets a snack every day
21:53:50 [MJ_CoHost] I have done that too Rosebud.
21:53:54 [SQ-CoHost] Sully, we are chatting about how we plan our budgets for wdw
21:53:55 [Rosebud] Or a snack - don't ever eat the dessert right after the meal unless it comes with it
21:54:03 [Esmerelda] DSL here-but only b/c it is a business expense
21:54:06 [MJ_CoHost] My son thinks desserts are part of the meal at Disney.
21:54:13 [LGC_cohost] ok tilt, (I have not clue wwhat you said) but ok.
21:54:16 [Brer] desserts are part of the meal...aren't they THE MEAL ??
21:54:23 [SQ-CoHost] No worries, Sully, we have plenty of time for even better stuff!
21:54:28 [BetsyAnn] Must eat dessert when at Disney -- not a ton of snacks during the
day -- but bring on the cheesecake!
21:54:31 [MJ_CoHost] Brer you would get along great with my son.
21:54:42 [Esmerelda] MJ, I dread feeding Elayna when she gets to be Matt's age!
21:55:14 [Esmerelda] There are going to be several 13-14 year olds there-Aren't you bringing Brenton, Brer?
21:55:16 [Rosebud] Esmerelda - big difference Matt is a boy
21:55:17 [SQ-CoHost] Sully, is ther any tip that you can share about how you budget for Disney trips?
21:55:22 [MJ_CoHost] Girls are not as bad as boys Susan. Matt can eat but I just don't know where he puts it.
21:55:30 [Brer] yes i am
21:55:46 [Esmerelda] Brer> ok-I will, not on aol right now though
21:55:49 [MJ_CoHost] How old is Brenton?
21:56:01 [Brer] are there going to be several 13-15 yr old s there ?
21:56:06 [LGC_cohost] Does it count as dessert if you have a cable car at Ghridellis for lunch?
21:56:07 [Esmerelda] MJ, Elayna doesnt realize she is a girl. She ate FIVE hot dogs last night
21:56:10 [Brer] 13 almost 14
21:56:16 [tiltawhirl] well I need to be moving along. Fun chat guys!
21:56:20 [tiltawhirl]
21:56:23 [tiltawhirl] thats what I menat
21:56:25 [tiltawhirl] meant
21:56:26 [BetsyAnn] This 13 year old girl could eat any boy at that age under the table! LOL
21:56:27 [tiltawhirl] LOL
21:56:27 [MJ_CoHost] Matt just turned 14 Brer.
21:56:30 [SQ-CoHost] Bye Tilt!
21:56:31 [Sully] DW "writes" checks to Disney just subtracting money out of the checking account like it is spent already by the time our trip arrives we will have quite a bit saved
21:56:32 [Brer] night Tilt
21:56:33 [BetsyAnn] Good night Tilt!
21:56:37 [LGC_cohost] Bye tilt!! I enjoyed teasing you!!
21:56:40 [tiltawhirl] gnight all
21:56:41 [Esmerelda] Bye tilt!
21:56:51 [tiltawhirl] to many responses to that one LGC!
21:56:55 [tiltawhirl] ;-)
21:56:57 [Brer] we will bethere 5/29 (thursday) thru the next wednesday
21:57:02 [MJ_CoHost] What about drinks. I am a big water drinker in the parks during the summer. Do you by water ahead of time or just bite the bullet.
21:57:18 [MJ_CoHost] Sully I do that too!
21:57:21 [LGC_cohost] lol tilt
21:57:35 [Brer] <water fountains for me
21:57:47 [BetsyAnn] both MJ -- bring water, and buy water
21:57:48 [Esmerelda] I buy water beforehand, except the rare times I stay concierge. One trip we stayed concierge 2 nights and drank 28 water bottles :-)
21:57:48 [MJ_CoHost] I am going to try one of those Brita Bottles this trip but am not sure I will want to carry it around.
21:57:54 [Brer] FRE FRE FREE
21:57:55 [SQ-CoHost] We share the extra large drinks during meals. That usually keeps us hydrates - perhaps one other drink in between
21:57:56 [Rosebud] I bring my water container and fill with ice - find the places the water taste good and I'm fine. Not all water at Disney is bad
21:58:02 [LGC_cohost] concierge at the Poly was great to provide water, we just grabbed a couple on our way out to the parks
21:58:13 [Rosebud] It used to be all bad, but we find more and more places that are good
21:58:14 [MJ_CoHost] Brag brag brag Brer.
21:58:18 [Sully] Buy a case of water on ride in from airport and use collapsable cooler
21:58:32 [Rosebud] Before they used to have that awful Zephryhills so it wasn't even worth buying it
21:58:35 [SQ-CoHost] We're with you, MJ, I was getting talked into them from the beverage poll in the Budget room, but I don't like carrying a lot of extras
21:58:42 [MJ_CoHost] Suzy we started doing that too. Those extra large drinks are great
21:58:46 [BetsyAnn] MJ - we refilled empty bottle from brita bottle and then iced them in the sink over night
21:58:49 [Esmerelda] I buy the gallons of water and just pour it into water bottles-cheaper that way
21:59:10 [MJ_CoHost] Oh that is a good idea Betsy
21:59:25 [BetsyAnn] You can ask for ice water at counter service no charge
21:59:35 [MJ_CoHost] Wow our time is almost up.
21:59:37 [LGC_cohost] since we drive, I bring water from home to brush my teeth and take my meds with
21:59:57 [SQ-CoHost] LGC, you REALLY don't like the water do ya?
22:00:08 [MJ_CoHost] That is what I do Betsy & also get the Extra Large drink for Matt. That way I can have both.
22:00:08 [LGC_cohost] Great job piggy banking it everybody!\
22:00:21 [Esmerelda] I am with LGC, I HATE the water
22:00:24 [SQ-CoHost] Ahhh Mannn is it over already!
22:00:30 [MJ_CoHost] Any last minute ideas guys?
22:00:40 [Rosebud] Bye all
22:00:49 [BetsyAnn] Great chat -- thanks SuzyQ, LGCheri and MargaretJ!
22:00:58 [Esmerelda] Bye, Rosebud. Sweet dreams
22:01:00 [MJ_CoHost] I hope to win the Lotto so I don't have to Budget!!!!
22:01:01 [SQ-CoHost] Connections, MyPoints, Hilton Honors, Surveys, Disney Visa and spare change.
22:01:04 [BetsyAnn] LimeGreen's chat locked up
22:01:05 [Rosebud] I have an idea, those of you that write the $10 checks can write one for me every month too - then I'll have plenty
22:01:28 [SQ-CoHost] Great getting all those ideas from you all! I hope that you have a pleasant evening!
22:01:40 [MJ_CoHost] OK Rosebud I will think about that ha ha ha.
22:01:49 [Esmerelda] LOL, Rosebud-that sounds like a great idea!
22:01:55 [SQ-CoHost] Night Rosebud!
22:02:19 [BetsyAnn] ok
22:02:46 [SQ-CoHost] ok, who gave Cheri the boot?
22:03:09 [MJ_CoHost] Cheri is locked up
22:03:16 [MJ_CoHost] She is trying to get back in
22:03:34 [SQ-CoHost] Oh no, she has fallen and she can't get back!
22:03:43 [BetsyAnn] Not I --
22:03:57 [LGC_cohost] ack!
22:04:00 [Esmerelda] lol-have ya'll been taking her medicine ;-)
22:04:08 [SQ-CoHost] Well, on behalf of Cheri and the Pressed Pennies gang . . . .oh you're back!
22:04:36 [Brer] back..had to see the firestone jerk make a idiot of himself
22:04:46 [Esmerelda] I think she has taken too much medicine and is getting dizzy
22:05:07 [LGC_cohost] Geesh!!! Thanks everybody!!
22:05:24 [SQ-CoHost] Well, ok then . . . on behalf of the Pressed Pennies, I would like to thank everyone for their participation tonight!
22:05:30 [LGC_cohost] Suzy and margaret, you girls rock!!!!!!!!!!!!!
22:05:30 [Esmerelda] Are you feeling any better, Cheri?
22:05:39 [Brer] thanks to you cohosts
22:05:50 [MJ_CoHost] Thanks guys need to run.
22:05:52 [Esmerelda] Thanks for hosting, LGC, SQ and MJ
22:05:55 [Brer] night MJ
22:06:03 [BetsyAnn] good night MJ and thanks to all again!
22:06:13 [SQ-CoHost] So glad you're back - I was starting to get anxious!
22:06:22 [SQ-CoHost] Night Margaret!
22:06:24 [Esmerelda] Sweet dreams, MJ
22:06:40 [Brer] raining here now...cooling off some..nice breeze
22:06:40 [LGC_cohost] Esmeralda, yes and no, I'll feel better then start running a fever again
22:07:12 [LGC_cohost] nite to all who are leaving
22:07:15 [Brer] Cheri, hope you get to feeling better soon
22:07:20 [SQ-CoHost] We (hubbie over my shoulder) must go, have a wonderful evening everyone and thanks to my CoHostesses for helping us have a fun and informative chat!!
22:07:31 [LGC_cohost] Suzy, you do a fine job, no need to get anxious!!!!!!!!!
22:07:39 [Brer] night SQ
22:07:52 [SQ-CoHost] Ciao Dahlings!
22:07:52 [Esmerelda] Yes, here is some pixie dust for Cheri ~*~*~*~*~*~*~*'
22:07:59 [BetsyAnn] SQ - you are getting to be a host pro in no time ! YEAH!
22:08:06 [LGC_cohost] nite Suzy!!!
22:08:41 [Esmerelda] I will not make a good host-It is impossible for me to stay on topic
22:09:25 [Brer] < can't type fast enough to be a cohost
22:09:26 [LGC_cohost] yes you will ESmerelda, because you are my cohost for heallth chats
22:09:40 [BetsyAnn] You will get it Esmerelda -- just have to focus for one hour and you can play all you want in the chat! LOL
22:09:52 [Esmerelda] OK-maybe you can keep me in line :-)
22:10:03 [Esmerelda] one hour? i can't focus for 5 minutes!
22:10:08 [Brer] Esmerlda..focus ??? on what LOL
22:10:16 [Brer] jinx
22:10:30 [LGC_cohost] I can keep you in line. We'll do fine! We're up next tuesday night
22:10:35 [BetsyAnn] ROFLOL
22:11:09 [Esmerelda] next Tuesday? Yikes
22:11:19 [BetsyAnn] It just takes practice -- you will get it -- I had never even chatted before RC -- if you love to talk you can host
22:11:30 [Brer] Susan....i do not know how you did a 120 in solatire...you must be faster than ...who knows what... i did a 131,,and thought i was fast
22:11:36 [LGC_cohost] Yep Esmerelda, it's easy!!
22:11:37 [Esmerelda] oh God, I can talk up a storm, no doubt about it
22:12:04 [LGC_cohost] Ok, I need to go, lives to save tomorrow ya know!
22:12:19 [Brer] night LGC
22:12:27 [BetsyAnn] Good night LGC
22:12:32 [Esmerelda] I'm headed out too-take care everyone
22:12:46 [LGC_cohost] nitey nite
22:12:50 [Brer] night Sus..
22:12:55 [Esmerelda] Bye!
22:13:34 [BetsyAnn] I'm heading out too -- good night Brer
22:13:40 [Brer] oh well.....Happy Trails my friends....
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