I am going to step on some toes here I think......first talk WITH your husband....My husband is a penny pincher and I struggle with this but I know it is for the best. But first..... a sound marriage is more important than Disney... don't show your kids that is is okay to go behind dad's back to do things. Talk with him, ask if there is a way that you can compromise, see if MAW would provide this treat for your daughter, and finally do the RIGHT thing - not the thing thing you want. It may not turn out the way you want it but children need a sound family and ******* because of this is not worth it.
1. Explain to him that you can reimburse the amount from the money that MAW will give to you to pay for it.... then budget your remainding dollars efficiently....
2. Call your MAW chapter and see if they can include it.
3. Ask yourself...is this really more for you? Is it really necessary....? there are ways to see the princesses without a character meal.
Also, how does your MAW daughter respond to things? What does she understand? From reading your PTR, you described her as having the level of a 6mo old..... so I wonder would this really stimulater her? You know your daughter and husband best.... you know your financial situation......
I find that with myself, I tend to start thinking and making things more about what I want instead of what my son may want....I have to reevaluate my motives..... It becomes nostalgia from my own childhood and I have to step back and say wait.... I need to respect my husband's wishes. I have a hard time with certain things, but my family and it's strength is the most important thing to the health of my children....and each of us...
I hope that this struggle is resolved with everyone's satisfaction. I realy do hope you can do CRT or Akershaus, but whatever happens, be glad you are there....with your family....enjoying a trip of a lifetime and I look forward to following your ptr....Take care