May 30, 2026

5 Costliest Mistakes Families Make When Budgeting for Theme Park Trips

Written by Gabriel Vito
|
Edited by Jenna Klaverweiden
Discover the highway entrance to Walt Disney World in Orlando, Florida, with Mickey Mouse welcoming visitors

Theme park vacations have never been cheap, but the price of enjoying some family time at these places continues to grow. According to a 2025 U.S. Bureau of Labor Statistics report, prices across the industry rose 51.2% from 2013 to 2023. The trend shows no signs of slowing, as Disney recently reported guests spending 5% more per visit at its domestic parks compared with the same period last year.

Be Aware: 12 Ways You’re Throwing Money Away

Check Out: Start Growing Your Net Worth With Smarter Tracking

Most families know they're going to spend money at theme parks. You're there to have fun after all. But costly planning mistakes affect your budget regardless.

“It’s the little things,” said David Ciccarelli, founder and CEO of Lake.com, a family travel platform. “Water can be $2-$4 per bottle; multiply that by a family of 6, and you find yourself having spent $20 on water!”

Here are five of the costliest mistakes families make when budgeting for theme park trips.

Different parks create different spending traps. A water park creates different expenses than Disneyland or Universal Studios, which is why researching the park ahead of time matters.

Some parks allow outside snacks and refillable water bottles, while others charge extra for lockers, parking or premium ride access. Families can also use park apps ahead of time to check wait times, mobile ordering options, parking information and other add-on costs before arriving.

Planning makes a difference because convenience inside a theme park is expensive. Families who already understand the park layout, pricing and policies are less likely to make expensive last-minute decisions.

Most families already expect to spend money on food inside a theme park. The bigger mistake is underestimating how often those purchases happen once everybody’s hot, tired and trying to stay inside the park as long as possible.

Some families try to decide ahead of time where the food splurge will happen instead of making every decision in the moment. That might mean eating breakfast before entering the park, bringing approved snacks and refillable water bottles, or planning one sit-down dinner while keeping the rest of the meals simple.

Some visitors also use park apps to check menus and prices before arriving, so they already know what they’re comfortable spending before they get the day started.

A lot of theme park spending comes down to convenience.

Families end up paying inflated prices for ponchos, sunscreen, portable chargers and water bottles because they need them immediately. Water parks can create extra costs too, especially if nobody packed towels, waterproof phone pouches or anything to carry wet clothes afterward.

The same thing happens once everybody gets tired. Fast passes, lockers and premium parking start feeling a lot more worth the money after a few hours in the heat and long lines.

Enter for a Chance To Win $500 in MoneyLion's Summer Break Giveaway (No pur. nec. Ends 7/4/26. See official rules at mlion.info/summerbreakofficialrules)

Get Instacash

A lot of families focus so heavily on ticket prices that they underestimate everything around the trip.

Parking alone can add hundreds of dollars over several days. Families staying farther away to save money on hotels may end up spending more on rideshares, hotel transportation or daily parking fees at both the hotel and the park.

Those extra costs may not seem huge individually, but they can change the total vacation budget quickly.

A lot of theme park overspending happens because families make every spending decision in the moment.

The kids want souvenirs. Somebody wants a snack between rides. Maybe it’s somebody’s birthday, so now the family is talking about a nicer dinner or a bigger souvenir than originally planned.

Those purchases may not seem huge on their own. But by the end of the day, families may realize they spent far more than they expected.

Some families try to avoid that by setting expectations before the trip starts. That might mean giving each child a souvenir budget, deciding ahead of time which meal will be the splurge, or agreeing beforehand on whether fast passes or extra experiences are worth the cost.

Summer spending adds up fast. Enter MoneyLion's Summer Break Giveaway for a chance to win $500 — and give your budget a break. (No pur. nec. Ends 7/4/26. See official rules at mlion.info/summerbreakofficialrules)

This article was provided by MoneyLion.com for informational purposes only and should not be construed as financial, legal or tax advice.

More From MoneyLion:


Written by
Gabriel Vito
Jenna Klaverweiden
Edited by
Jenna Klaverweiden
Jenna Klaverweiden joined GOBankingRates in early 2024 as an Editor. Prior to joining GOBankingRates, she was the managing copy editor for a financial publisher, where she edited content focused on economics, retirement planning, investing, bonds and the stock market. She was also the copy editor for the third edition of the book Get Rich with Dividends, which was published in 2023. Education: B.A. in English Language and Literature, University of Maryland, B.A. in American Studies, University of Maryland