I will admit that I used to think the “put it on a gift card” hack was nice from a budgeting perspective, but I didn’t think it would have the psychological effect of the DP.
But in some ways it did.
I am like you. I always make my family order the smaller size ice cream cup. I simply cannot buy the most expensive thing on the menu. Etc. With the DDP, this completely goes away.
With gift cards, knowing I wouldn"t have a credit card bill “loosened” this a bit. I could spring for desert or an app once in a while. And I also ratcheted spending up or down depending on where the balance was. We cancelled a TS we didn’t really care about to stay in budget snd I far preferred that over nickle and diming myself at each meal.
@ryan1 you point is excellent. Now that I have an AP I get meal discounts. Throw in my 4-10% savings I find on Disney gift cards and I feel like the savings is adding up!