Welcome to the club!
I can't bring myself to finance DVC points, I want to pay cash and be done with it. We were ready to buy, but now we decided to finish our basement so I think DVC is on the back burner for a few months.
I think it was a good decision to do the basement because I got some pretty good news today. I often enter the sweepstakes to Orlando or WDW that mousesavers organizes on their site. I entered the Dollar Suave Ultimate Family Sweepstakes and today FedEx arrived with a letter stating I was a First Prize Winner. (Not Grand Prize Winner) I won a 52 Sharp Aquos LCD TV, a Bose home entertainment system, a Shard Aquos Blue Ray DVD player, a $250.00 gift card to Blockbuster Video, and a Cuisinart Popcorn maker.
The downside is I would have to pay Taxes on $5,000.00 but if I am finishing my basement I have the Man Room looking good.