If you plan on staying on-property, do everything separately (WDW resort/tickets/meal package, flights, car, etc.) You can reserve a WDW property and hold it for only a $200 deposit. You can get that all back if you cancel 45+days before scheduled arrival. After that, there's a sliding scale decreasing the refund the closer to "D"-day you get. That way, you can get what you want lined up, track deals, separately book airfare, etc. Check out the sights referenced. Also http://www.allearsnet.com

Look into a Chase Disney VISA. They also offer deals. 1% back as DisneyDollars to spend at Disney or on Disney stuff, and they often offer 6-months 0% financing of a Disney resort vacation. There are links to this affinity card all over the Disney resorts website.

I'm taking wife's entire family this December. I'll be poorer but richer.