ANOTHER QUESTION??? Aren't you aware that you are only allowed ONE?
Seriously, there are a several options.
One is to bank unused points forward to the next use year, and go then. To do that, you need to be conversant with banking, and especially banking deadlines.
The second is to borrow points from the next use year. You can borrow up to 100% of next year's points at any time during the use year.
The third is to go on the Rent/Trade forum of this website and rent points from another
DVC member. When you are in DVC and renting from another member, it is a nice, clean transaction. You give them money, they call member services and transfer the points from their account to yours. To do that, you need to understand what happens to points transferred between accounts, and you need to avoid problem points like "Holding status" and "reservation" points.
I'm not an expert in this, but someone like Dean or Caskbill or tjkratz or CarolMN will probably answer your question better shortly.