You can certainly stay off site and save some money but you also have to ask yourself what does convenience cost? Do you really want to leave the park twice a day for lunch and dinner? That's untold hours in a week of walking out of the park, getting back to your car, traffic to your offsite room/restaurant, time spent eating there, traffic back to the park, parking the car, getting back to the park, etc. At two meals a day you'll easily lose 3 hours of park time per day not to mention parking fees. If you're dead set on going to WDW and want to stay on site than look for a room at a Value resort. Can you reschedule from June, a prime week to go, to another "off" week say something like September? It'll be cheaper or you're at least offered the free meal plan. As far as what can you do with your personal finances? Set a goal. We did this for our last trip and are doing it again now for our upcoming one as we pay for everything in cash because I personally don't believe it's worth going into debt for. We started a "Disney envelope" at the house and my kids take part as well. You don't realize it but everytime you go out to eat and order a tea/Coke/fruit punch you're likely paying $2-3 each time. Cut those out, drink a free water and put those couple bucks into the envelope instead. When you go out somewhere ask yourself, 'I'd like a steak tonight but it's $25. I could eat the burger instead for $10." Boom, $15 difference goes into the envelope. Want to see the latest new movie? Go to a matinee for $6 rather than at night when it costs $10+. Put the difference in the envelope. Keep your goal in mind at all times and you'll see the dollars add up faster than you thought. Last year my kids were awesome at this, always reminding me "Daddy, do you really need that tool? That could be money for Disney..." They themselves asked for money for b-days and Christmas instead of toys. They wound up saving over $300 that they put in the envelope. We surprised them when we went to Disney telling them because they were so diligent with saving that we weren't going to make them pay for their own trip. Instead, they got that money back to spend however they wanted at the park. They learned an important lesson in that sometimes you have to sacrifice the here-and-now for something you really want down the road.
Also, remember that above all else, WDW is a vacation. Sometimes reality gets in the way and maybe it'll take you longer than June 2014 but just keep plugging away. WDW will be there and if you're trip is delayed just tell yourself that new attractions may be there that you would've likely missed had you gone earlier. My family just went in Oct. '12 and we'd love to go back this year but it's just not in the cards financially or with the schedule. We keep dropping extra money in the envelope anyway and are aiming at Nov/Dec. '14.
