Ok, we do disney and we do cruises. I do try to do it as frugally as possible though.
Buy the 10 day park-hopper-water-parks-no-expiration-whatever-else-they-can-charge-you-for tickets. Stay in a tent at Fort Wilderness (when given the option, our son loudly exclaimed his preference for camping in a tent vs staying in a nice comfy motel). Try not to cram too much in. Ideally you'll spend a day at the parks, then take a day off relaxing (playing in the mini water park at the resort, swimming in the heated pool, walking around and admiring all the Christmas decorations...whatever). If you do a party (Halloween or Christmas), don't go to the park earlier in the day, that's just wasted money (you can get in as early as 4-4:30PM I think?).
We don't eat that often in the parks, maybe one special meal. Otherwise we head back for lunch (which coincides with nap time if you have little kids, or even older kids who are exhausted) or bring lunch with us. I admit, it does seem pretty silly to pay big bucks for Character Dining, and the next day wait for what seems like hours to meet more characters (when we could be doing, I dunno, ANYTHING ELSE!).
There are some teachable moments I suppose. We don't buy our son any toys/trinkets/whatever at Disney; he has to buy that himself. We explain that they put the gift shops at the end of the rides (something that is done almost everywhere you look, not limited to Disney) to try to get you to spend your money. We take him to the Dollar Tree and Wal-Mart before we hit Disney, explain that if he really wants to buy some Disney toys, the prices are better here. But he still sometimes buys something I don't agree with, like $10 for a Halloween Jack pen, or even more for a Mickey ghost bucket with popcorn. I simply have to remind myself that it's his money, he may have different priorities than we do (I'm sure many things we buy seem pretty silly to him), and I want him to make his financial mistakes NOW when we're talking a few bucks here and there, instead of a few grand here and there.
Anyways...just because you're frugal doesn't mean you can't go to Disney. It's not going to exactly be cheap...but at the same time you don't have to spend $10k to take your family of four for a week. I mean, seriously...I see people posting saying it'll be $5k on the LOW end? No way. Around $55/night for camping is $385-ish, three days at the parks plus one day at the water parks for under $810 ($672.95 for 10 day park hopper water park no expiration tickets, divided by 10 to get the daily rate, times three days, times four people...the water park option is an EXTRA 10 days over and above park days, so that fourth day is a semi-freebie), other three days are spent resting at the campground; that's $1,195 for a full week in Disney. Yeah, add in transportation if you weren't going to be there anyway (we try to combine trips), extra food costs if being in Disney turns your brain to jelly and you can't resist going out to eat vs packing a lunch, etc. Still, there's no reason for it to cost $5k. Why, with the difference in price (real-frugal $1,195 vs pretend-frugal at $5,000), you could go on a week long cruise....