Welcome aboard, Christy!
Disney offers so many different ways to vacation, and includes options for all sorts of budgets. I see that you live in Oklahoma, so you'll have to fly to either Orlando, Anaheim, or one of the Disney Cruise Line ports, no matter which type of Disney vacation you choose. That will be a pretty fixed price in your budget.
However, once you price out which location is the least expensive for flights, you have all sorts of wiggle room with budget for your actual vacation! If you travel in the summer, or over typical school holidays, the costs might be a bit more but if you're able to pick an off time to vacation, you will certainly find better prices!
If you're looking at a
Disney Cruise Line voyage, play around with the drop down menu options on the
Find A Cruise page of Disney Cruise Line's website, where you can select the months you're open to travel and the ports you might sail from.
The Dream sails out of Port Canaveral and offers three and four night cruises which are much less expensive than the Fantasy's seven night sailings. The
Wonder and
Magic sail out of multiple ports at different times of year including Galveston, Texas, New Orleans, San Diego, Miami, New York, and more. Some of those offer shorter sailings as well that will be less expensive. Play around with the different options and itineraries and see if one may fit your budget and go from there!
So much is included in the voyage you won't have to pay for much extra at all once you're onboard!
At the Walt Disney World Resort in Orlando, there are
Value Resorts that are uniquely themed, my favorite being
Disney's Art of Animation Resort. These are much less expensive than the Moderate or Deluxe Resorts, so I'd start there. Remember as far as
dining, you don't have to eat character meals each time, as there are great Quick Service options that cost a lot less too! And you don't need park tickets for every day you're staying at the resort, as just enjoying a free day at
Disney Springs, riding the
monorail to explore and window shop at different resorts, or swimming at your resort costs nothing extra but includes all sorts of magic.
I hope that helps as you begin to investigate all the magical options for a Disney Parks or Cruise vacation, Christy! Please stop back again as you plan!
Marcy