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11
Apr
8:00 pm

Disney Training: Put Your Disney Vacation on Layaway

in Posts

Layaway was a feature once popular at department stores which let you purchase a product without paying the entire cost up front.  You would find the item you wanted to buy, take it to the Layaway counter, pay a deposit, and then come back and make periodic payments over time. Once you paid for the item in full, they’d let you have it. Some stores put an expiration on the layaway, which meant you could only postpone your final payment for so long before they put the item back on the shelf and refunded your money.

Layaway almost completely disappeared during the 1980s with the increasing popularity of credit cards and store cards. However, layaway has made a comeback in recent history because of the recession. It’s a great way to buy a product that may disappear from the shelves before you are able to pay for it – and it’s interest-free (although some stores charge a small layaway fee).

While department store layaway has had its ups and downs, do you know where it’s been alive and well for years?  You guessed it: Disney!

When you book a Disney vacation, you reap the benefits of “Disney Layaway” (Disclaimer: This is not a real thing. This term was made up for this article, so don’t call and ask for it or we’ll all feel silly!).

Let’s take a Walt Disney World vacation, for example:

When you book a Walt Disney World vacation package, you pay a flat $200 deposit. This is especially helpful because it’s hard to cough up a few thousand dollars all at once, and the interest on a credit card would be awful.  Plus, if you’re going to visit during a busy time of the year, rooms become pretty scarce when you’re within 6 months, so it’s nice to reserve the room and tickets early without paying for the entire trip.

Disney then puts the vacation on “layaway” for you. In this case, there is an expiration period. You will have to pay the balance no later than 45 days before your check-in date, but if you plan far enough ahead, this gives you plenty of time to save.

So, between the time you book, and the 45-day mark, you can make as many (or as few) payments as you’d like – whatever fits your budget.  If you play your cards right, you’ll have very little to pay when you reach 45 days, thus making less of an impact on your bank account or credit card. And best of all, there are no fees or interest charges for this luxury.

While the due dates and deposit amounts vary, this “layaway” system works for Disneyland and Disney Cruise Line vacations as well.  You’re not just limited to Walt Disney World in Florida.

Unfortunately, just like in the days of driving to the department store every time you wanted to apply a payment toward your purchase, you’ll have to call Disney and sit on hold every time you want to apply a payment toward your vacation…unless you book with a travel agent like Mouse Unlimited, the official Disney Travel Agency of Couponing To Disney.

Among many other concierge style services – which are all free, by the way – Mouse Unlimited allows you to make as many progress payments as you want for your Disney vacation, and it only takes about a minute of your time while you enter your payment information on their secure website. You can do it from work, in a coffee shop, at home in your PJs or even on your smart phone. Mouse Unlimited saves you precious time sitting on hold on long distance calls. Not to mention, they’ll send you friendly reminders so you don’t miss that all-important 45-day mark in the hustle and bustle of your busy life.

And you’re not limited to using a Credit Card – you can use a Debit Card, Disney Gift Card or a Disney Visa Rewards Point Card!

Now, think back to the days of layaway.  If the item you bought went on sale after you’d put it into layaway, would you be eligible for the sale price?  Not likely. But if so, would the store contact you and offer to reduce the price for you and offer a refund? Not a chance – and unfortunately, neither will Disney if you book directly with them. Unless you spend all day researching discounts and take the time out of your day to call Disney and specifically ask for the lower rate, you’ll end up paying full price.

But guess, what – if you book with Mouse Unlimited, they’ll watch for new discount offers and if your reservation qualifies (and the new offer is a better deal than your current booking), they’ll make the change automatically!   And if the new deal might cost you a few extra dollars but would offer a nicer hotel or more amenities, they’ll present you with the options and let you make the decision based on your budget. You’ll never be up-sold and you’ll always know whether or not you qualify for a new discount.

Mouse Unlimited’s agents (who are also the Owners) offer a “personal touch” to your travel planning experience, offering help and advice that neither a website, nor Disney themselves, can provide. They handle every aspect of your trip from airfare, to lodging, to ground transportation, to activities, to tours and more.

To recap, if you want to take a Disney vacation, put it on “layaway”, pay using multiple forms of payment from the comfort of your computer, and benefit from a possible post-sale price reduction – all while receiving personal attention and concierge treatment – be sure to contact Mouse Unlimited. You’ll be guaranteed their unparalleled service, expert support, and an economical and magical vacation.

Visit Mouse Unlimited’s website where you can ask a question, learn more about Disney destinations, or request a free quote. Be sure to let them know Couponing To Disney sent you!

Be sure to catch up on the previous Disney World training posts.

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{ 11 comments… read them below or add one }

1 Hedy April 11, 2011 at 8:21 pm

I love the layaway analogy!

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2 Kelly April 11, 2011 at 9:14 pm

I think it’s great that Disney allows you to make payments towards your vacation, but if you are able to have a bit of resistance, you may be better off saving that money instead of making the payment. Get an online account such as ING that pays a better rate than brick & mortar banks. (There’s also a 2-3 day delay when making withdrawls so that can also be a deterrent to using the money.) Make a payment to yourself instead of Disney. Pay Disney when you have to such as on the 45 day prior to arrival mark. That way you not only save time by not being on hold all the time and earn some interest in the process. Pay yourself first. Pay others afterward.

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3 RK April 12, 2011 at 9:30 am

ITA that as a general rule, it’s best to wait to pay money. This is why, unlike the majority of the American public, my husband and I would rather owe than get a refund at tax time, because a refund means we paid the government extra, whereas owing means we kept the money to ourselves all year long, haha!

But anyway … I’m totally with you, BUT I would say that if you are disorganized and forgetful like me, it’s best to get payments out of the early. If not, then by all means wait until the last possible minute and rack up that interest! :-)

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4 Erin April 13, 2011 at 9:32 am

I do this, too. I have a savings account for my Disney World trip & one for the Disney cruise. Every 2 weeks (payday), ING automatically transfer the amount I specified out to each of the accounts and I earn interest up to the day I make my final payment – online, of course. I’d never sit on hold to make a payment when you can just do it online.

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5 Becky April 11, 2011 at 9:51 pm

Makes going to DW more affordable. Small payments over a period of time can go a long way

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6 lswheatly April 11, 2011 at 10:39 pm

Mouse Unlimited was wonderful and very helpful during our recent trip to WDW. Not only did we “layaway” our disney vacation, Mouse Unlimited also updated our reservations as discounts came about. I love the “layaway feature because I used rewards from the survey sites, cashed out for Disney Gift Cards and those were used to pay down the cost of our vacation.

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7 Crystal April 11, 2011 at 11:03 pm

The last 3 years we’ve booked our vacation on the Disney website. I’ve never called to make a payment, I’ve always logged into My Disney Vacation account and made a payment either by credit card or Disney rewards card. It’s much faster than calling.

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8 Liz Sanders April 12, 2011 at 7:30 am

I booked our trip for this year in February. We will be in Disney Dec. 22-28. My husband has always wanted to go over Christmas. We budgeted the trip into our budget and pay it first out of our bills. You can go online and make the payments without having to call and wait on someone to do it for you, your payments just have to be over $20. I have been doing it since Feb. and never once had to speak to a person. I did this all through the Disney site. They email me a statement telling me how much I have paid, and how much I have left to pay.
Doing it this way is also another way to get the infamous “pin code” , because of the traffic you provide to their site.

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9 Jill April 12, 2011 at 7:42 am

You can actually make payments online as well… you just log into your disney account on disneyworld.com and under the My Reservations tab you can bringup your trip with your confirmation number check in date and last name and it gives you the option to make a payment on your trip using any method of payment credit card/debit cards/ disney rewards card/ gift card…

I’ve done this for several trips…

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10 Julie Isbell April 12, 2011 at 9:51 am

we are great lovers of mouse unlimited!! they are totally MOUSOME!!!! liz – visiting DW over that time period sounds wonderful! i know of someone else who will be there at that time!!!!! ssshhhhhhh!!!!!!!!!

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11 MM April 12, 2011 at 10:04 am

What about traveling with families…do they have the experience of helping those out with toddlers (since they are just husband and wife)?

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