I am so heartbroken...as a family of 5, we need 2 vehicles since CJ works and I have to take the boys back and forth to pre-school. We've been put in a situation where we had to get a car, our truck just wasn't making it anymore. CJ drove it for years and well, it started having all kinds of problems, it was a 1996 with over 200,000 miles on it. It was paid off of course so now....yea, we have a car payment.
We bought a used car and CJ bought what he wanted because he didn't want to settle for a car he was going to hate driving every day. Used or not, it still forced a car payment upon us.
Between his job and my full time job working from home, we save a lot of money - no daycare, no expenses for me when it comes to clothing, driving every day, etc. However, when we decided to buy into DVC we were going to put $8-$10K down and then finance the remaining balance with the intent to pay it off in 2 years.
I know some people think financing a vacation home is dumb - but to me, it's just like having a car payment, people finance those all the time. I knew we'd have a $500/month payment (including saving $ for maintenance fees) but that was definitely doable. However, now, since we have a $300 car payment, this means I'd be looking to incur an extra $500 or so a month, leading to $800 or so a month I'd need to save. 
So here I am - first of all, we found ourselves needing to finish out the basement and make it a nice area for the kids. Since I work from home I've been having a really tough time getting work done and an even tougher time talking to clients on the phone with my 3 kids running around the house acting crazy - I don't have an office, we have a fairly large living room so my desk is in a far corner of the room but nevertheless, they are in the same room with me - this has forced us to prioritize.
So, first basement work, which would take away from my down payment but I still knew I'd be able to afford a monthly payment and get it paid off early, since there's no early payoff penalty - but now with a car payment in the mix, well I'd be really stupid to put the family in such financial constraints.
This would mean we'd have a mortgage, 2 car payments (yes we're still paying on our Honda Pilot, the 'family car') and then the DVC - that's over $2,500 a month is 'extra' bills!
In today's severely unstable economy, I think that would be a very very bad move. Unless we can really comb through our bills and see what we can cut back on (groceries are our biggest expense - after the mortgage. We spend almost $800 a month for our family!) I don't know how we'll do it.
I keep thinking it's only for 2 years - I'll get the DVC paid off and then we'll have $ freed up again. Do it now while the kids are little and don't mind wearing the non brand clothes I buy, cause once they're older, they will get expensive!
I MIGHT be able to buy into DVC, next year but that screws up my plan 
I'm so sad.
Updates while we're there and trip reports >> Disney Vacation Trip Reports
or we can make it 6 of us again (MIL) and stay somewhere cheaper. My opinion? While I love her and have fun when she's along, I think it may be time for an immediate family vacation, just CJ and I wit our kids. They are getting older and easier to handle. Next year we'd like to go in May again. Olivia will be 7, Dante 4 and Wyatt 3 - so no diapers, no 4 hour middle of the day naps 
