Thanks yall for the help and advice. I looked it up and like said abouve it would only save me 30 dollars to skip that one day so I'd rather have it available. The park hopper cost me 204 bucks but if I cancel and it cost 50 at that point I might as well leave it on there and hop once or so just to say I used it. I have paid my bill down to 200 bucks. I left it open because I recall englanddg telling me that if you want to add something and pay it out to leave it open. I am still bouncing around on the dining plan. I think I am going to try to make all my TS reservations if I am able to get all the ones I want then I will think the plan is worth it. If I can't get into the places I'd like then I'd rather just pay oop.
Oh yeah today I get my free disney planing DVD. Not sure I will learn anymore from that then I have from you all. Everyone has been so helpful and full of info on here.
The DVD is worth a watch, but it is obviously a marketing packet and is a bit vague on certain topics. It serves more to pump you up than to inform. The kid should love it though!
As far as making changes...
So, you've got a "final pay date" that Disney assigned to you when you booked. It is 45 days from arrival, iirc. Before that date you can make any changes to your reservation (adding or taking away from the cost) that you wish without penalty, including cancelling in full (not that you want to do that, just saying, you can go even that far without penalty or fees).
Additionally, you can pay some or all of your trip off at any time, but On the final pay date, you must have paid off the entire outstanding balance. Now it is considered "locked in". I dont pay off anything until very close to the final pay date only because basically Disney is extending me an interest free "loan"...so why pay early? But, you can pay off at any time up until your final pay date, when the remaining balance is due in full.
Note, this is a function of the date, not the balance on your account. So, if you paid it off in full before the final pay date, you can still make changes, all the way up to cancellation, before the final pay date. Any reduction in your balance (such as, if you took off the hoppers), will be credited back to the card you used to make payment.
After the final pay date, any changes that reduce your balance will have a change fee ($50, iirc). Any changes that increase your balance have no change fee, I dont think, but you will be asked to pay those changes in full at the time you make them.
It is a function of the final pay date, not your current paid balance. Make sense?