Banking Borrowing Use Year??? Confusing myself

[raenyny]

Ok so we've had DVC a few years now and I thought I had this down but we are planning a big family trip in 2015 and suddenly my head is spinning....I'm trying to price out points which I know aren't exactly out yet so I will need more than what I'm seeing right now...I have a July use year and we have 300 points....I'm figuring the trip to be 659 using the current points so I'm just going to say 700 points...If we plan on February 2015 am I banking/using 2013 using 2014 and borrowing 2015... or banking/using 2014, using 2015, borrowing 2016..I just don't want to use points in 2014 that I might need for the 2015 trip....ugh Help LOL

 

[drusba]

With July use year and going in Feb 2015, the trip will be during your July 1, 2014 to June 30, 2015 use year (your July 2014 use year). Thus your points from the July 2014 use year would be the current use year points for that trip and you would need to bank July 2013 points into the July 2014 use year and borrow from the July 2015 use year to get to the about 700 points needed.

 

[Kidanifan08]

Ok so we've had DVC a few years now and I thought I had this down but we are planning a big family trip in 2015 and suddenly my head is spinning....I'm trying to price out points which I know aren't exactly out yet so I will need more than what I'm seeing right now...I have a July use year and we have 300 points....I'm figuring the trip to be 659 using the current points so I'm just going to say 700 points...If we plan on February 2015 am I banking/using 2013 using 2014 and borrowing 2015... or banking/using 2014, using 2015, borrowing 2016..I just don't want to use points in 2014 that I might need for the 2015 trip....ugh Help LOL

Do you mean June UY? There is no July UY. It still would be as drusba described. Since 2/2015 falls within the June 2014 UY, you could bank 2013 points into 2014 for a total of 600 points and then borrow whatever additional point are needed from your June 2015 UY to complete the reservation. I doubt the points will change that much from the current point charts for that low season, so you should be good.

 

[raenyny]

LOL its August use year..I get confused because the points go to end of July

 

[DebbieB]

2012 - 8/1/12 to 7/31/13 - can be banked to 7/31/14
2013 - 8/1/13 to 7/31/14 - can be banked to 7/31/15 - could be used for 2/2015.
2014 - 8/1/14 to 7/31/15 - would be current year points for 2/2015
2015 - 8/1/15 to 7/31/16 - could be borrowed to 2014 use year for 2/2015

 

[Kidanifan08]

LOL its August use year..I get confused because the points go to end of July

We have a December UY, which gets confusing because the "active" points are always in the year after the "use year", with the exception of the month of Dec. In other words, I am currently in my 2012 UY and will be until 11/30/2013.

I am nut sure I understand why they did not assign UY's to 4 months (Jan, May, Jul, Nov). I'm sure there is some reason.

Happy planning!