if you're not able to drive then you'll need to stay at the magic kingdom or a nearby hotel that has a shuttle to the park although magic kingdom is more convenient. To minimize cost you could always stay at the lower cost all-star resort area. There are no deals to "cut the queues". Disney calls it a Fastpass and its free. Many of the popular rides have a fastpass line. There's a machine at the entrance to the ride and you essentially get a "reserved time" for when you can get on the ride. The earlier in your schedule timeframe the better since you're getting close to schools starting to let out. You could probably see the bulk of the things at disney in 4 days (one park per day). The price of tickets is essentially minimal the more days you stay so the biggest cost will be hotel/food should you decide to stay 4 or 5 or 6 days.