Monthly Payment Plan

[Chef Mickey]

You can't possibly be saying that the only people who deserve to take a trip to WDW are the ones who can afford to pay for the entire trip upfront in one shot...........can you? Guess that'd clear your parks out for ya real quick, wouldn't it?

#1, no one deserves a Disney trip, lol. Most people in the world will never even board a plane, let a lone spend $5,000 to see people dressed in character costumes, see shows, and ride rides.

And yes, I am saying that. Americans don't live like that, however....see filled parks, leasing cars, $500k houses on $75k household income, student loan debt, and average of $30k in credit card debt.

Debt comes first. IF you have to take a trip and also still have CC debt, student loans, or car payments (I think you should pay those first) but at minimum you should be paying for the trip in cash and up front or you're just adding to your misery.

The reason Americans have so much trouble with money is people like you think that paying for a luxury item like a vacation over time and/or instead of paying off other debts it not only OK, but financially practical.

Guess why you have to make monthly payments on your Disney trip? Because you don't think like me about finance. You'll be in this cycle forever. You also feel entitled to a vacation at Disney. You aren't.

No debt, no payments, you miraculously have money for trips. Amazing.

 

[BuddyThomas]

#1, no one deserves a Disney trip, lol. Most people in the world will never even board a plane, let a lone spend $5,000 to see people dressed in character costumes, see shows, and ride rides.

And yes, I am saying that. Americans don't live like that, however....see filled parks, leasing cars, $500k houses on $75k household income, student loan debt, and average of $30k in credit card debt.

Debt comes first. IF you have to take a trip and also still have CC debt, student loans, or car payments (I think you should pay those first) but at minimum you should be paying for the trip in cash and up front or you're just adding to your misery.

The reason Americans have so much trouble with money is people like you think that paying for a luxury item like a vacation over time and/or instead of paying off other debts it not only OK, but financially practical.

Guess why you have to make monthly payments on your Disney trip? Because you don't think like me about finance. You'll be in this cycle forever. You also feel entitled to a vacation at Disney. You aren't.

No debt, no payments, you miraculously have money for trips. Amazing.

Good lord. What a stunningly obnoxious, grotesque, and elitist commentary. You are even worse than I thought.

With this type of viewpoint, only the wealthy should be allowed a car and a college education.

I'm sorry to speak to you up on your golden little cloud where you obviously reside, but some of us mere mortals were not born with a silver spoon in our mouths and payment plans and student loans are a fact of life.

I hope that all your despicable elitist comments, including your multiple past comments about wanting to double the admission prices so it clears the riff-raff out of the parks makes you feel very good about yourself.

Amazing.

 

[Chef Mickey]

Good lord. What a stunningly obnoxious, grotesque, and elitist commentary. You are even worse than I thought.

With this type of viewpoint, only the wealthy should be allowed a car and a college education.

I'm sorry to speak to you up on your golden little cloud where you obviously reside, but some of us mere mortals were not born with a silver spoon in our mouths and payment plans and student loans are a fact of life.

I hope that all your despicable elitist comments, including your multiple past comments about wanting to double the admission prices so it clears the riff-raff out of the parks makes you feel very good about yourself.

Amazing.

This isn't about "allowed" anything. You're free to do whatever you want.

It's just not a financially smart decision.

However, have you ever been outside America? Only in America can you buy a house with no money down, a car with no money down, and have $50k in unsecured credit to buy anything you want. All you need is an OK job.

And only in America can someone sit at home and collect welfare, food stamps, and other government programs that incentivize them to not better themselves.

THAT is the grotesque, elitist, and entitled mentality that has ruined America. We are absolutely broke and owned by China because of out of control consumer and government spending and absolute financial illiteracy.

 

[DisneyFans4Life]

If Disney went away with the payment plan, I'd still purchase an AP for my wife and I (and daughter once she turns 3). I'm fortunate enough to be in FL and have the option to pay monthly...though I could see Disney doing away with it in the future.

Someone mentioned that it would be nice to get a paid in full discount, and though that would be nice, remember that Disney already offers a discount if you renew your pass each year. That won't necessarily help you if you're a first time buyer or let your pass expire, but it's still a discount nonetheless.

 

[BuddyThomas]

This isn't about "allowed" anything. You're free to do whatever you want.

It's just not a financially smart decision.

However, have you ever been outside America? Only in America can you buy a house with no money down, a car with no money down, and have $50k in unsecured credit to buy anything you want. All you need is an OK job.

And only in America can someone sit at home and collect welfare, food stamps, and other government programs that incentivize them to not better themselves.

THAT is the grotesque, elitist, and entitled mentality that has ruined America. We are absolutely broke and owned by China because of out of control consumer and government spending and absolute financial illiteracy.

People save for vacations and make monthly payments all the time. I would go so far as to say that almost everyone but the very rich do it this way. To say that people don't deserve to go unless they pay for the entire trip upfront is pretty despicable, but hey, maybe you and the Orange Clown can help "make America great again" for the one percenters come November.

 

[lazyboy97o]

People save for vacations and make monthly payments all the time. I would go so far as to say that almost everyone but the very rich do it this way. To say that people don't deserve to go unless they pay for the entire trip upfront is pretty despicable, but hey, maybe you and the Orange Clown can help "make Anerica great again" for the one percenters come November.

Making monthly payments up front on a vacation can be saving and is completely different than taking out a loan to go on vacation.

 

[BuddyThomas]

Making monthly payments up front on a vacation can be saving and is completely different than taking out a loan to go on vacation.

Thanks for this, but who said anything about taking out a loan to go on vacation? The great almighty Chef said that the only people who deserve to go to Disney are the ones who pay for the whole thing upfront in one shot. It's all right above, and it is disgraceful. If I had to pay for an entire Disney trip in one shot, I would never have been one single time.

 

["El Gran Magnifico"]

#1, no one deserves a Disney trip, lol. Most people in the world will never even board a plane, let a lone spend $5,000 to see people dressed in character costumes, see shows, and ride rides.

And yes, I am saying that. Americans don't live like that, however....see filled parks, leasing cars, $500k houses on $75k household income, student loan debt, and average of $30k in credit card debt.

Debt comes first. IF you have to take a trip and also still have CC debt, student loans, or car payments (I think you should pay those first) but at minimum you should be paying for the trip in cash and up front or you're just adding to your misery.

The reason Americans have so much trouble with money is people like you think that paying for a luxury item like a vacation over time and/or instead of paying off other debts it not only OK, but financially practical.

Guess why you have to make monthly payments on your Disney trip? Because you don't think like me about finance. You'll be in this cycle forever. You also feel entitled to a vacation at Disney. You aren't.

No debt, no payments, you miraculously have money for trips. Amazing.

As to your first point. Yes. Everyone does deserve a vacation. Be it Disney or on a beach in Hawaii. If you want to mimic Joseph Stalin, go live there. People finance houses, finance cars, finance a college education, a wedding, a batmitvah, etc...and yes, believe it or not they finance vacations. Because of the fact that someone finances something does not mean they are morally or financially bankrupt. ...to suggest so, is ignorant.

Should someone living within the circumstances you present, spend $5,000 on a luxury vacation at Disney? Probably not. But there are economical ways to go on vacation. Believe it or not, there are people who pay their credit card debt off in full every month and do not pay interest and carry no balance. There are many others who pay it off over the course of a few months and are financially responsible.

Guess why I pay monthly payments on my AP pass? #1 there is no interest. #2 the website doesn't take cash. Why pay $800 at one pop, if I'm not being charged interest on the purchase and don't need to do so. You may want to be parted with your money quickly...I don't. And I end up paying the same amount as you do. You just give them your money quicker, which I would argue leaves you with less to invest or make interest off. Your way to me seems financially irresponsible.

 

[lazyboy97o]

Thanks for this, but who said anything about taking out a loan to go on vacation? The great almighty Chef said that the only people who deserve to go to Disney are the ones who pay for the whole thing upfront in one shot. It's all right above, and it is disgraceful. If I had to pay for an entire Disney trip in one shot, I would never have been one single time.

So you do what, put it on a credit card? That would be a loan, and a rather expensive one too.

 

["El Gran Magnifico"]

So you do what, put it on a credit card? That would be a loan, and a rather expensive one too.

No it's not a loan. It's called a credit line. A loan carries interest. If you pay off a credit card when you get your statement you do not pay interest. Therefore..it is not a loan.

 

[BuddyThomas]

So you do what, put it on a credit card? That would be a loan, and a rather expensive one too.

What are you talking about? People can make monthly payments in many ways. Back in the day, I used to send checks. These days, I pay from my bank account. Have you ever heard of a bank debit card? Geez!

 

[lazyboy97o]

No it's not a loan. It's called a credit line. A loan carries interest. If you pay off a credit card when you get your statement you do not pay interest. Therefore..it is not a loan.

If one cannot pay for the vacation up front in cash, then they are not going to suddenly be able to pay it all just a couple of weeks later. Therefore interest will be charged.

What are you talking about? People can make monthly payments in many ways. Back in the day, I used to send checks. These days, I pay from my bank account. Have you ever heard of a bank debit card? Geez!

If you can't be trusted to put aside the money on your own and then make the payment at once, then yes, that should be a hallmark of an issue. Properly used, paying down a vacation early should not be functionally different than paying it in one lump sum.

 

["El Gran Magnifico"]

If one cannot pay for the vacation up front in cash, then they are not going to suddenly be able to pay it all just a couple of weeks later. Therefore interest will be charged.

Are you the guy that walks into the counter of the local gas station and plops down a $100 and tells the person at the counter "fill me up"....or do you use the card reader at the pump? Just curious. You're either hypocritical or inefficient...just trying to figure out which one.

 

[lazyboy97o]

Are you the guy that walks into the counter of the local gas station and plops down a $100 and tells the person at the counter "fill me up"....or do you use the card reader at the pump? Just curious.

What kind of a stupid question is that? You seem completely unable to comprehend the idea of being able to pay off a credit card purchase before the purchase is made.

 

["El Gran Magnifico"]

What kind of a stupid question is that? You seem completely unable to comprehend the idea of being able to pay off a credit card purchase before the purchase is made.

Pay off a credit card purchase BEFORE the purchase is made????? And I have the comprehension problem?

 

[BuddyThomas]

If one cannot pay for the vacation up front in cash, then they are not going to suddenly be able to pay it all just a couple of weeks later. Therefore interest will be charged.


If you can't be trusted to put aside the money on your own and then make the payment at once, then yes, that should be a hallmark of an issue. Properly used, paying down a vacation early should not be functionally different than paying it in one lump sum.

Do you not understand that when you make a reservation at Disney, all they ask for is a deposit? And you can then pay the balance off over a period of time.

 

[lazyboy97o]

Pay off a credit card purchase BEFORE the purchase is made????? And I have the comprehension problem?

Being able to, so yes, it does seem you have a comprehension problem.

You and your little rich chef are both out of your freaking minds.

I'm getting a hunch that you just want to be angry about money and don't really know what you are talking about. If you are paying with a debit card or check then you are paying with cash (which describes actually having the money, not using actual notes or specie) and more than likely doing exactly what you are getting all bent out of shape about.

 

["El Gran Magnifico"]

Being able to, so yes, it does seem you have a comprehension problem.


I'm getting a hunch that you just want to be angry about money and don't really know what you are talking about. If you are paying with a debit card or check then you are paying with cash (which describes actually having the money, not using actual notes or specie) and more than likely doing exactly what you are getting all bent out of shape about.

You apparently don't read through posts. So I'll help you out. If you look a few posts above. I reference that plenty of people do pay off their cc balances in full every month ( I include myself in this group). Many others pay off cc bills within a relatively short period of time (therefore subjecting themselves to very little interest). There are many times in life when paying by a credit card is a more convenient and efficient way to process a transaction. Hence my response to you (above) where you did not seem to understand the question.

 

[BuddyThomas]

Being able to, so yes, it does seem you have a comprehension problem.


I'm getting a hunch that you just want to be angry about money and don't really know what you are talking about. If you are paying with a debit card or check then you are paying with cash (which describes actually having the money, not using actual notes or specie) and more than likely doing exactly what you are getting all bent out of shape about.

I don't even know why you are jumping in here. This guy has started multiple threads about how Disney should double the price of admission to keep the riff-raff out, and other similar nonsense . There are serious elitist issues at play there, and now, he has incredibly said that only those who can pay for the entire trip in one shot deserve to go. That is absolutely outrageous. I'm not talking about loans or credit, although if someone chooses to go to Disney using those methods, that is nobody's business but their own. This concept that only the wealthy should be allowed in is the lowest of all garbage.

 

[lazyboy97o]

You apparently don't read through posts. So I'll help you out. If you look a few posts above. I reference that plenty of people do pay off their cc balances in full every month ( I include myself in this group). Many others pay off cc bills within a relatively short period of time (therefore subjecting themselves to very little interest). There are many times in life when paying by a credit card is a more convenient and efficient way to process a transaction. Hence my response to you (above) where you did not seem to understand the question.

The method of payment is irrelevant, which is what you are missing. Being able to pay cash does not mean actually using or preferring to use actual dollar bills to make payments. It means one already has the money available, that the credit card can be paid off without accruing interest. This whole issue is over a statement that one should be able to afford a vacation before taking the vacation.

There are serious elitist issues at play there, and now, he has incredibly said that only those who can pay for the entire trip in one shot deserve to go. That is absolutely outrageous. I'm not talking about loans or credit, although if someone chooses to go to Disney using those methods, that is nobody's business but their own. This concept that only the wealthy should be allowed in is the lowest of all garbage.

You've just made it clear that you don't seem to really know what you are talking about. You just said that you use checks and debit cars to pay for your vacations; that means you are one of those awful, elitist people who can pay at once. It has nothing to do with wealth or being able to go on a whim. Saving up money isn't elitist or wrong.