HI guys! I just got my vacation club info packet in the mail! wicked excited but still so uncertain - can anyone help me? I really want to figure out if this would be worth it financially - I am looking at buying the 150 point deal - financed at 10% so it looks like with the thing I got (it only shows me buying into AK - is there a reason for that?) I could buy in at like $2150 a year for 10 years financed with $895 a year in fees.... That comes out to just over $3000 for 2014 which would give me 150 points - almost enough for 1 bedroom at AK in Dec. - I know my family would need the space of a one bedroom - but that is 154 points...how do I make that work and still go this year? also what about dining plan? extra magic hours? transpo.... how do you all make it work? I feel like I need a book for dummies to navigate - if anyone at all can give me a break down for the financially challenged or just even give me some examples of how they make it work - I would be ETERNALLY grateful!!!!! THanks so much!