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Old 04-15-2013, 11:51 AM   #8
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Join Date: Mar 2013
Posts: 1,978

From a financial perspective you are quite right it makes sense to rent, although you don't take into account the residual value of your DVC after the 10 years which could be as much as the interest you would make on your investment. I don't see you saving a huge amount of money over 10 years with DVC but at the same time I don't see you losing a ton either as long as you continue to go to WDW.

However, as it is a vacation and thus a luxury and not a necessity to me this is the kind of purchase where a little bit of what the heart wants should come into it. We bought DVC simply because we really wanted to, I wanted to own at my (soon to me two) home resorts, and I wanted to know that we would come back frequently. For us that was important.

While we all need to be sensible with money sometimes within reason and affordability we should buy what we want instead of what is cheapest, in the same way for example you might buy a sports car when a saloon would do....

I would say if your heart isn't in it don't buy but if you really want to own it and you can afford it then buy it and forget about what else you could have done with the money after all you can't line your grave with the stuff! The way we decided is that we have this year and next year some extra money coming in. We decided that if we save 60% of it which we are we can justify treating ourselves with the rest.
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