Anyone else ever borrow 100% of their next year's points?

Discussion in 'Purchasing DVC' started by RickW, Feb 13, 2002.

  1. RickW

    RickW Mouseketeer

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    Well, we have now officially borrowed every single point from our October 2002 use year. We were looking into different ways to arrange our trip and I emailed my wife some options (we are going for 2 weeks with a 3-day cash cruise in the middle and we planned on going to a different resort for each half). She looked over the options I listed, didn't like any of them so she did some mixing and matching and sent back her option to me. I added up the points and realized that it exactly matched the number of points we had available (16 from this year, 210 from next year, for a total of 226). We just made the final reservation today and now we officially have 0 points available.

    (Well, I guess we don't need to worry about the banking deadline :) )

    Anyone else ever used every single point?
     
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  3. DavidRoss

    DavidRoss Mouseketeer

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    I purposely try to keep in a state of borrowing. You never know what major chages may happen in your life that would prevent you from using your points. I didn't really plan on buying DVC to trade out for other vacation destinations so I am happy borrowing for the most part. although I don't always borrow all my points, I usually do it most of the time.
     
  4. shrpgrl

    shrpgrl Mouseketeer

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    Yep we have. We are going in June and taking extended family. We do this every three yrs or so and when we do we borrow all.
     
  5. spruce

    spruce DIS Veteran

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    We have been in a constant state of borrowing since our 2nd cruise. I don't plan to skip a year till our son graduates. I've got 29 OKW points coming in Dec 2002 and 5 BWV points coming in Dec 2003. We have 2 trips planned this year, 1 in Aug and 1 over NYE......spruce
     
  6. ripleysmom

    ripleysmom Lucas and Ripley's mom!

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    Yep this year we did.....
     
  7. Firefighter Mickey

    Firefighter Mickey DIS Veteran

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    We almost did this year; I think we've only got 15 points or something in 2002. Those GV's at OKW can get expensive during the last week of December.

    In fact we're already planning on borrowing a few from 2003. We've got another DCL cruise planned in Oct (paying cash) and want to spend a day or 2 at BWV before the cruise if we can swing it.
     
  8. dianeschlicht

    dianeschlicht <font color=blue>DVC-Trivia Contest, Apr-2006: Hon

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    Well, instead of being in a constant state of borrowing, we usually have a constant state of banking!:D This year is the first time I had less than my annual alotment available on our use month.
     
  9. danicaw

    danicaw DIS Veteran

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    Ok, but what I want to know is...

    Is it crazy to already be mentally planning the next trip (that you have no points for yet), before the trip you spent all you points on has even happened?

    Maybe I just love to plan WDW trips
    :bounce: :bounce: :bounce:

    - wife of rickw
     
  10. DVCDAVE

    DVCDAVE Senior Member

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    Never borrowed, only banked. That is the way we planned it. We planned on needing 550 points for a two BR during Magic season, and a studio during Thanksgiving, and we banked our points from the beginning, and that is the way we will leave it, always banking, never borrowing.
     
  11. MulanMom

    MulanMom DIS Veteran

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    Yep, we've exhausted all but 5-7 pts. of our 2002 use year! Like Spruce, I'd rather be in a borrowing situation than where I've banked and can't use the points. However, we haven't used the points sparingly over the last few years. With two adoptions under our belt and cash flow tight, we tended to opt for point usage rather than cash outlays for weekend/extra nights.

    Sharon
     
  12. HappyDVCer

    HappyDVCer Earning My Ears

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    We borrow too. You never know if you will be here tomorrow. Live for today! Banking or borrowing, half of the fun is the planning!!!:D
     
  13. CaptainMidnight

    CaptainMidnight DIS Veteran

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    Oh ya, we borrow alot.
     
  14. edith76

    edith76 Mouseketeer

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    I've not only borrowed all my points, but I've done add-ons to cover extra reservations. I'm up to 750 points and I'm still borrowed ahead. We own 3 other timeshares which are also in the same borrowed state.
     
  15. cgcw

    cgcw <font color=cc0099>On the blinkie Crocs foot-fetis

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    I'm glad to know that we are not alone. We have been in a decifit almost since we joined. Like others, we did an add on to get more points but that just means that we use more. I'm wondering if another add-on would put us in a positive state, but I suspect it would mean more borrowing. But, hey, but more vacations too!.
     
  16. Granny

    Granny Yeah, I'm a guy

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    If that's crazy, we're all in the loony bin with you! :crazy:

    I just bought six months ago and banked the entire first year of points. So I anticipate being in a banked mode for a few years. After that...who knows?
     
  17. Richyams

    Richyams <a href="http://www.wdwinfo.com/dis-sponsor/index.

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    We basically never borrow or bank. We come close to using our full allotment every year. We always have to bank or borrow a few points, but never anything major. Always less than 30, usually less than 20. It pretty much evens out, we have probably banked as many as we have borrowed.
     
  18. Gearjammin101

    Gearjammin101 Earning My Ears

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    I'm with you ALL the way!!!!!!!!!!!!!! :D :D :D


    April
     
  19. Tomskatt

    Tomskatt <font color=olive>Why can't a 42 yr old man put hi

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    Isn't that one of the greatest things about DVC?! We are having 2 trips this year and that will put us on a once a year til 2041......then I might miss a year! :)
     
  20. Lesley

    Lesley DIS Veteran

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    We joined in Aug. 2000...used MB and banked the rest. Our trip for next Dec. will have us borrowing and I can see that by 2005 we may actually be borrowed a full year ahead if we go to WDW anywhere near as often as we'd like to. That's when we may add a 150 point resale...but we don't really know for sure. We're planning a move and a house purchase first....so we have to see how the cards fall.
     
  21. Lesley

    Lesley DIS Veteran

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    We joined in Aug. 2000...used MB and banked the rest. Our trip for next Dec. will have us borrowing and I can see that by 2005 we may actually be borrowed a full year ahead if we go to WDW anywhere near as often as we'd like to. That's when we may add a 150 point resale...but we don't really know for sure. We're planning a move and a house purchase first....so we have to see how the cards fall.
     

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