We have a mental burp every now and then - we have a December use year - so we forget sometimes.... you'd think after being members since 2008 we would have learned..... but no....we haven't....
anyway.... we forget sometimes that our 2012 points are the points we will ACTUALLY use in 2013.... and the points we used in 2011 were actually the points from 2010.....
We forget that since our UY starts in December.... that we are always a year behind in terms of UY.
So, OP - I feel your pain - it can be a pain to keep it all straight!
If you'd ever tried to tell someone about DVC, you feel a little silly for the first few minutes until you get them to understand that that points are nothing like loyalty point.... and you get NEW points every year... and you only buy your points once.... but you can add on later - and even though you only pay once.... you still have to pay MF's every year.....
It can get very confusing! It takes DW and I together to keep things straight - especially when it comes to using points from one resort to book at another - but NOT using points from our HHI contract so we can book at 11 months.... OR renting points, and trying to remember to keep one contract intact so we can rent if we want - and not use points from multiple accounts HAHA SEE how confusing it CAN be?
Then there was the 85 point contract that we bought at Saratoga - and the points were ALL mess up on that account when made an offer on the account - they had to check the account several times to figure out exactly what had been done - reservation points, a few points in holding, a few points borrowed - the previous owners broke every rule coming and going, and two years in it was finally totally straightened out, and we never lost a single point... but it caused us to put point in hold in another contract... BUT we made it work out! HAHA
That's one thing I love about buying a really loaded resale contract - you can use up banked points and keep the account in good shape without having to borrow right away like you do with a stripped contract.
Anyway - good luck keeping things straight!