Borrow and Borrow again

I know nothing of this thing you call 'banking'....what a silly thing to do. Why, I could be killed in a nasty blimp accident tomorrow!!!
I am always into the next years points. I have about half my '14 points left. Using them for a stay in Sept and then again in Dec.

Us too, I just figure I am always using up that last year when I will be too old.
 
We found a hard solution after borrowing and having to buy points the first few years, we got our vaca under control, went back to the studio and only did a few trips a year.

Now we have moved to Europe. Airfare is crazy, our AP's expired and we want to see other parts of Europe for a vaca by car or train.

Finally we are banking points rather than borrowing. Heck I even rented a few to a very good friend for some extra $$ to pay the MF.

I hope to bank again this year but we have a plan to use our points at DLP. Not a smart use of them but hey they are there to be used.
 
We started with 250 points, now up to 500 and we are still always in point debt! :sad2:
 

We have been in borrow mode ever since we used three years with of points (we only have 150pts) in 2006. It a viscous cycle that we will never be rid of unless I were to go back to work full time so we could afford an add on. We also have had points transferred in and used the Disney one time use points too. I wish I had more but we've made do and have some wonderful memories to share....
 





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