Hi Kim,
Thanks so much for visiting the Disney Parks Moms Panel with your question. I love both Disney's Beach Club Villas and Bay Lake Tower at Disney's Contemporary Resort - they are both wonderful choices!
If you are not a Disney Vacation Club member, you can book Disney Vacation Club villas using traditional payment methods such as a credit card by calling 407-W-DISNEY (407-934-7639); however, these are a little different from accommodations at other Walt Disney World resorts. The accommodations at the Disney Vacation Club properties start to become available about a year before the travel date, so it would be possible that you could find availability for March 2014 now. If there is no availability currently, you can keep checking back throughout the year.
If you are interested in returning year after year, or even every few years, to a Disney Vacation Club resort, you may find that membership in Disney Vacation Club is a good idea for you and your family. You can explore this option at the
Disney Vacation Club website or by calling 1-800-877-382-7826.
Have a great time planning your trip, Kim, and please do not hesitate to ask if you have any further questions.