When OP does have a contract, the following will be rules to remember as to making reservations: 1. You can always book 11 months out from date of arrival at home resort and 7 at others. Your use year does not affect that rule. 2. As to points you use for any trip, you should wipe from your mind the time you call to reserve and focus only on the time you will be at WDW to determine which points are current use year points and whether you need to bank or borrow. If for example you have a June use year and you want to reserve time in June 2015 at your home resort, you can call to reserve in July 2014 exactly 11 months from date of arrival and reserve June 2015 time and for that June 2015 trip, the points that will be effective June 1, 2015 are the "current" use year points for that trip. If you want to use June 2014 points, you must first bank them. And if you don't have enough current or banked points for the trip, you can borrow whatever additional points are needed from your June 2016 allotment of points.