Monthly Payment Annual Passes

[The_CEO]

As for Laura's earlier comments slamming people who are not "disciplined" enough to save up for their pass--you must either be loaded rich or not have to raise a family, or I doubt you would have made such a naieve comment.

Actually Skyway, she has two beautiful children and if she as loaded rich I doubt she would even worry about commenting in this thread. So I believe you shouldn't be jumping to conclusions.

 

[The_CEO]

Laura, go to Washington and tell them how to spend the 700 billion bailout of Wallstreet and leave us alone and unto our own private business.

Last time I checked this is a discussion forum and if you are uncomfortable with a debate why don't you just step out of the circle?

 

[Laura]

I am sooooooooo tired of Laura's argument. It seems there are two ways to handle ones finances and they are both her ideas.

Wow wow wow. Talk about misinterpretation.

I really don't care HOW people pay for their AP's. For the millionth time the ONLY thing I am trying to prove here is that anyone at any time can start putting away money each month for an AP. You don't need to wait for WDW to start up a payment plan to do this. It's been stated many times in this thread that it's hard to come up with a lump sum once a year. That's why I keep reiterating that no one has to! I'm not trying to be this big jerk you're all making me out to be. Stop reading between the lines here.

Wonder what Laura would do if her mortgage company called her and said they changed their mind and wanted the note paid for in one lump sum? Laura, apparently you don't realze some people still live paycheck to paycheck these days.

Um...I also live paycheck to paycheck. That's why I see wisdom in paying for annual passes in TWELVE MONTHLY INSTALLMENTS. I am agreeing with you people here! But you're all whining because Disney World hasn't implemented this policy and I'm trying to tell anyone who wants to do monthly payments can start NOW by using your savings account! That's all I'm trying to say!

First off Laura.. You seem to be the type that thrives on personal insults online.. I'm sure you wouldn't dare insult anyone personally face to face..

What the crap. I have not made a personal attack on anyone! I am the only person in this this thread being insulted. :brick:

Problem is that (a) saving up for a year is easier said then done. When something goes wrong, it's a lot easier to take that lump of money that's being saved for something "frivolous" and apply it to something more critical. And (b) as already noted, it means you have to wait for months or even a full year to get the pass.

Which is why I believe it's dangerous to buy an AP and then make 12 payments afterwards if money is tight. What if something comes up and then since you have this mandatory AP payment you can't cover the emergency? At least when you do it the way I am suggesting you can skip a month without penalty if something comes up.

There's nothing wrong with paying for something in payments or installments. It doesn't make you a deadbeat and it doesn't make you financially irresponsible.

Making payments doesn't make you irresponsible. My arguments is that setting up a system where you're making payments if you are saying you can't even afford to have a monthly savings account for the same purpose is a dangerous spot to put yourself in.

----

For the last time, I'm not being mean. I'm not singling anyone out. When I say "you" it's generally speaking, not directed at anyone. I'm just making what I think to be a valid point here, but apparently it's an unacceptable point, so carry on...

 

[DisneyGigi]

I am going to agree with Laura on this because if you budget and save to pay for your passes rather than paying in installments with a credit card you are avoiding interest fees by doing so.
We always save up for our trip before booking instead of paying in installments after we book, it just works well for us. We have decided to save up for our annual passes for a trip in May so that we can more than once in 2009. We have what we call our "Mickey Money" and not only is smart but it is fun to watch it grow. Plus... I don't like bills even ones for WDW....lol

 

[hardcard]

Well I tried to put my arguments into more "kindergarten" language this time...maybe they'll be understood this time. *sigh*

:shrug::shrug::shrug::shrug::shrug::shrug::shrug:


my apologies, I was obviously reading a different thread..




Anyway, I'm done with the in fighting.. whats the point in doing so?

My point is, live and let live... opinions matter, but it's up the individual how they would like to do it..

just to reboot my side..

I think they should do it, and I would take advantage of it.. I like the idea of paying a 118$ a month.... and that will be interest free because it'll be on my wachovia visa debit.. having said that...... here's the shocker

I AGREE WITH LAURA.... A credit card is NOT the way to do it... Why pay interest on something is otherwise interest free? Use a debit card, or ACH checking transsaction for it ONLY... CC will just cost you more in the long run.

 

[Laura]

:shrug::shrug::shrug::shrug::shrug::shrug::shrug::shrug::shrug:


my apologies, I was obviously reading a different thread..

For the record, that last line was not directed at you, but at the 5 or so people who were calling me out because of their misinterpretations. I had no problem with your initial post, thought it was well-written, and tried to respond to it fairly.

I apologize for throwing that line in there because I understand how you thought it was aimed at you. But it totally wasn't. :wave:

 

[Monty]

I'm going to jump in, only with regard to the comment that some people live paycheck to paycheck and some can't afford health insurance as examples brought forward.

I'm sorry for people who are living through tough economic times, but surely they shouldn't be the people deciding to purchase tickets to Disney whether by lump sum or monthly payment? This discussion should hopefully be centered on those who presumably can reasonably afford the luxury of spending extra on entertainment.

If I were asked to choose between APs for my son and I or health insurance, Disney would never see a dime of my money.

I'm forever grateful that I happen to have the wherewithal to be able to live comfortably and afford to take my son to WDW regularly, but few would be willing to go through what I did to get it.

 

[hardcard]

Laura,

You know.. I re-read the entire thread, and realized that most of your points were grossly blown out of context and proportion.. I apologize for assuming you were the antagonist in all of it..


Everyone... Learn from my example.. LEAVE LAURA ALONE


Meanwhile.. I see your point, the only thing I would add is that you get the 'now' factor with the payment plan, were-as the other way you would have to wait... waiting is no fun

 

[Missing20K]

This seems like it has a lot to do with psychology. Laura asked why it might increase AP sales. I would say because people see $30 a month, and believe they can afford that easier than a lump sum of $380. And as skyndave said, either you can save for 12 months, then get a pass, or just get a pass today, and pay it off for the next 12 months. Purely a personal preference, I do not think it implies anything about one's intelligence, or lack or, or ability to save, or lack of, or anything of that nature.

I'm not sure I will ever understand most of the topics on budgets, prices, monetary issues, as anyone here is in a financial situation well enough to even think to go to WDW each year. It seems the majority go multiple times per year, hence this AP renewal topic. Why should we argue over such a topic, when it's pretty obvious most of us can afford a Disney trip without too much worry about feeding the family? Just my two cents.

EDIT: 100 posts!!! I feel like I am part of the wdwmagic family now! :sohappy::sohappy:

 

[devoy1701]

What the heck is the difference? You can pay $40 a month and SAVE for an AP, or you can pay $40 a month to PAY OFF an AP. If you can't afford the $40 a month to save for an AP, then you also can't afford the $40 a month to pay it off after you buy it on credit.

I do this same thing for my entire Disney Trip. We were passholders last year and decided not to renew this year simply because we wanted to build back up the anticipation of being able to go to WDW for the 40th. We are planning on a DL trip next december and instead of paying off the trip after it happens both my gf and I put away $50 from each paycheck into a high yield savings account (though it's not like any accounts are high yield anymore!) by the time next December comes around, with the savings and the Disney Reward Dollars from our Disney Visa, we'll have paid off the trip completely and have hundreds of extra bucks for souveniers and dinner! $50 every check right when it goes to my account is like the money never existed, so I'm not tempted to spend it on other things. And even though my Disney Visa offers financing, I usually don't need it.

you don't pay the bill, you don't have insurance... IS this a difficult concept to comprehend?

just for the record but not for the sake of arguments, my car insurance bills me every 4 months...

That IS actually what I was arguing above. Someone was saying that only a RICH person could afford to save up for an annual pass. Another person said only someone who "has it together" could do that. When what I was saying is that saving up costs you the same amount per month as paying in monthly installments, so why not just save?

I'm definitely not rich...I'm just a college student who works 32 hrs a week, but I have several savings plans! :slurp:

The idea behind this is a great one.It would allow those who could not pay one lump sum for a Fl Annual pass for each family member to do so,Or allow current passholders to renew and keep their passes. It is a no brainer to me for WDW in this current economy.What would you rather get? A family visiting once a year.Or them paying you every month to come to WDW.They would be spending more money over the course of one year,then they would in one visit to the parks. Also that same family may visit more then once a month.

I don't want more people being able to afford a seasonal Pass! The exclusivity of it is great! Ever since Busch Gardens Tampa started offering the Fun Card and monthly payment plans for it and their season pass, the park has become a daycare for middleschoolers and inner city kids! The park guests have become more...rude and distructive in some cases. Parents just drop the kids off for the day! And EVERYONE and their Moms have a Fun Card or Annual Pass to BG... I think if they make the Disney Annual Pass more affordable the parks are going to get ALOT more crowded (good for Disney, bad for the average guest) and Disney is going to have an even bigger problem with the already lowering standards of public behavior.

Just my opinion. :lookaroun Sometimes I feel like this discussion site isn't about sharing your own opinion tho!

 

[MousDad]

When they do this at DL, I imagine the number of AP purchases/holders will remain level or slightly increase.

If they were to offer this for WDW, the amount of AP holders would probably quintuple overnight.

I see this being a DL thing only.

 

[devoy1701]

When they do this at DL, I imagine the number of AP purchases/holders will remain level or slightly increase.

If they were to offer this for WDW, the amount of AP holders would probably quintuple overnight.

I see this being a DL thing only.

exactly, As pointed out in many threads, the Clientel at DL is mostly a local market whereas WDW is definitely a tourist market....introduce a monthly installment plan and everyone with a BG/Sea World pass will now be going to WDW too... :brick:Say hello to a 200 minute AVERAGE wait for TSM...and goodbye to the last couple "slow times" WDW still has...

 

[kcnole]

If they did this system like Universal does you also don't get charged interest. Universal just takes the price of the AP and cuts it into 12 payments, they don't add any interest. So as long as you pay off your credit card every month you're not losing any money by doing it this way compared to saving it yourself (aside from maybe 10 dollars in interest you might earn over the course of a year on a savings account). You also get to have the pass now instead of having to wait a year.

I tell you, if they offered the pass this way I'd have one. Sure, I could put 30 dollars away every month and in a year go get one, but I'm not going to, and I'm not going to send them 350 in a lump sum. But I'd easily do it this way.

 

[dr_teeth90210]

WDW will never have a monthly payment plan for Annual Passes.

So stop wishing and start saving.

 

[SpongeScott]

When they do this at DL, I imagine the number of AP purchases/holders will remain level or slightly increase.

If they were to offer this for WDW, the amount of AP holders would probably quintuple overnight.

I see this being a DL thing only.

IF they ever do this, I would imagine it would be a Florida resident perk only.

 

[MKCP 1985]

IF they ever do this, I would imagine it would be a Florida resident perk only.

Well, y'all deserve some perks. . . having to put up with all us out of state drivers who refuse to take Magical Express or Mears transportation! :lol:

 

[hardcard]

WDW will never have a monthly payment plan for Annual Passes.

So stop wishing and start saving.

I'm going to bookmark your post for a proper 'i told you so' later..

 

[hardcard]

Well, y'all deserve some perks. . . having to put up with all us out of state drivers who refuse to take Magical Express or Mears transportation! :lol:

my favorites are the ones that disobey even simple traffic rules once they are on property....stop signs are one thing.. these people ignore LANES ...

 

[sknydave]

The tourists usually drive slowly and stop frequently... The locals drive like maniacs

 

[WDWKat26]

It's about time. Universal does this and i've been praying that WDW would as well. It's just a matter of time.