Wait, I'm trying to wrap my brain around this. If you are short points (meaning you used all of your Sept AND Dec points), wouldn't you have to borrow from next year anyway? I'm really wanting to understand this, because we are wanting more HHI points soon. We have a June UY and will continue traveling with family in the summer or fall, but we want to travel in the spring just the two of us. I thought the best option would be to sell our two small contracts and buy a larger contract with an April UY. But I'm wondering to avoid the hassle of selling and rebuying, if it would be best to just buy the additional points we want with an April UY, meaning we would have 2 different UYs.