Hi Irine! Welcome to the Disney Parks Moms Panel.
I just love the Disney Dining Plan. There are so many restaurants to choose from and I have found them all to be really delicious! I love that there is such a variety of cuisines to choose from.
What you will pay out of pocket will depend on the restaurant that you are at, and also what you order off of the menu. If you are intending to dine at a restaurant that requires two dining credits, you will need to have two dining credits to be able to use the
Disney Dining Plan to pay. When I run into the situation that you are in I always end up paying for one of my sit down meals out of pocket, and using the two dining credits required for the steak house. What I do is look at the menus (which can be found by searching the Walt Disney World Resort website by restaurant name) to determine a
pricing range. I try to determine the restaurant/meal that would cost the least amount of money and that is the meal that I pay for out of pocket. Another great resource to help determine dining prices is allears.net. They have menus with prices that are “usually” current.
I hope that I have helped to answer your question. Please feel free to come back for more help planning your practically perfect Walt Disney World Resort vacation. Have a pixie dusted time!
~Heather~