Are you a banker or a borrower?

[tvwalsh]

I wonder how many people are like me, always borrowed into next year. I have 500 points but all of the ones I got on June 1 are gone and I have borrowed all but 170 of my 2004 allocation. I think a poll would be interesting.

 

[carone0318]

I didn't vote because you don't have a category for what we do.

We have 2 contracts, 150 @ BWV and 174 @ HH. We do both, bank and borrow, in the same year. One year I will bank BWV and borrow HH. So, one yr I work with 300 BWV pts and the next yr I work with 348 HH pts. Doing it this way keeps it organized for me.

So, my vote would be for doing both, banking and borrowing, in the same year!

 

[Granny]

I think you need another option...those who both bank AND borrow points on a regular basis!

We have two contracts, and we bank one for any given year and use the other one to make a reservation with that year's points plus points borrowed from the following year. So we bank and borrow every year.

I don't know if you can edit your poll, but I don't think I'm the only one that does this!

 

[carone0318]

Our posts must of came through at the same time. As you can see, you are not the only one that does it this way. Our best friends also work their 2 contracts this way too.

I agree, can we edit the post....

 

[dianeschlicht]

We usually bank some points each year, but last year I needed to make a reservation after banking, so I had to borrow too! We have two OKW contracts of 230 and 150 points, so 380 gives us plenty for most years, unless we are doing a GV.

 

[blizzard]

We seem to flip-flop. A few years ago we were always on the banking side. Then we took a couple of bigger trips and ended up on the slight borrowing side (about 10-15 points). We have been using slightly less than our annual allotment the last few years, so I think we are down to about 4 points on the borrowed side. We are not taking a trip in the next 12 months, so will bank those points and then take a bigger trip again, which will put us about even again.

So, I chose "no pattern to banking and borrowing".

 

[tinkgrl]

Hi,

I didn't take you poll. I just started DVC. I had to burrow for my trip to HH in October 2003. I think we'll do alittle of both. I plan on banking the rest of next year's points. So we will have over 300 for 2005. Interesting poll.

Allison BCV 6/03

 

[rwebbirish]

Just bought Beach Club in April. We rented for a trip to HH for last week. Thought we had more than enough points for us because we always stay oceanfront on HH. We had a reservation for six nights and were having such a great time that we borrowed from next year to stay an extra night. My husband said I should call to be put on a waitlist for HH points so we can take advantage of the 11 month window.

 

[crisi]

Only one contract, but only go every other year. So we both bank and borrow every year as well.

 

[sheryl0521]

I thought we would be a "banking" family with a contract of 200 points, but we have already used up 2004, and "borrowed" from our 2005 contract year!

I think an add-on is in our future!!

 

[colleen costello]

I thought we'd be bankers but I am afraid we are leaning toward becoming borrowers... I need more points! I plan to try to stick close to my allotted points each year. I just got annual passes and that is not helping -- it's easy to say "Let's go again before they expire!"

 

[Chuck S]

Our use year often hits in the middle of our vacatin plans, so sometimes I borrow a few, but often I bank a few - never a big amount...I guess I'm a "Break Evener" - our 345 points seems just right for our vacation patterns.

 

[Laurabearz]

well so far we have been borrowers..... I am booking something like 12 rooms for an upcming Feb trip, so we are soooooooo in the red for a while, but then we should be mostly bankers until our next big borrow.

 

[CarolA]

For my first few years I just used the points, but when my use year started this March I had NO points availalbe. I had borrowed them all! My solution BUY MORE POINTS!. I have purchased 50 BCV and will close on a 100 pt resale next week.

 

[Richyams]

I am one of those three that don't do either....not by much. I will always have ten or fifteen points one way or the other. Once we had 100 banked points. I pretty much make our plans and I generally try to use what we have.

 

[anniet]

I'm a banker right now, but in 2005 I'll be borrowing for a big family trip.

I don't think there's a category for me.

 

[Maistre Gracey]

Well, I expect to be all over the place on this. It really depends on the particular year.

It is an interesting poll, as we can see a snapshot of the banking & borrowing balance.

 

[Margie J]

I've banked just about every year.

It's so much fun every other year to have a big bank of points and HAVE to go on vacation. The first time it happened I spent nearly two weeks in a one-bedroom unit. That was a vacation!

 

[JimC]

We are banked on one contract and borrowed on the other. It really depends how we are scheduling our trips.

 

[icydog]

This year we borrowed all our VB points for a BC in Spring Vacation. We also banked our BWV points and we pretty much are even at BCV and OKW. So I guess the answer is we go with the flow, banking and borrowing when the need exists.