Borrow points?

[living la vida mickey]

We always borrow. We've been members from 1993. I don't think I've ever borrowed every single point, but I usually come very close (14 points left in next year). I figure that I'll be 96 in 2042 so I really don't care if I have points left to use that year. I'm going to enjoy them to the fullest extent now.

 

[DVC-Don]

Usually we bank points, but this year we borrowed from one contract for the first time.

 

[pmcpmc]

my contracts in the borrowed mode ,that way I don't have to remember to bank.LOL!

 

[OneMoreTry]

We banked points a couple of years, but this year borrowed about 25 of 300. If we don't have enough points next year we'll pay cash for one of the weekend nights -- or else spend part of the time at AKL or Poly or Contemporary.

I think next year we'll be using most of our points at HH!! We're doing a test run there in October for a couple of nights.

 

[HookdonWDW]

We fit the same profile as several others - some of our contracts are in the borrow mode, and others are in the banked mode.

 

[pat-rick]

We have 2 different use years.
Once we have our primary vacation planned and booked using the earlier use year we then use any additional points as the urge arises to take short trips. Sometimes it has resulted in borrowing from our later use year.
It also results in having a few points to bank.

 

[rsschneck]

We have 400 points total

OKW 300 points: I will bank 42 into next year

SSR 100 points: Borrowed 10 points for our December 2004 ressie.

Technically we are ahead by 32 points

 

[sgtpet]

We have borrowed and banked so far. It is nice to have flexibility on your trips. Size, rooms, location, destination, etc.

Some of the wonderful positive things about owning DVC.

 

[eva]

Well I voted borrowed into the next year. While we have 3 contracts and do a bit of borrowing and banking in each, we usually are in more of a state of borrowing than banking. For example, this year we banked OKW points to book a grand villa at the 11 month window. But we borrowed more Vero and BCV points than banked OKW points. Even though we do a bit of both, we always seem to be borrowing more than banking. That's alright, I really don't want to be fighting for reservations the last year of the contract.

 

[kathleena]

Can't vote as you don't have an option for doing both.

 

[POOH&PIGLET]

We have banked a few & borrowed a few. We try to stay as close as possible to our yearly allotment so we can make an annual trip to WDW.

 

[Northwoods]

We always bank all of our points. This last year we had to sell our banked points. We just can't get there very often. We have been using banked points since we bought and received banked points right before getting the new use year points.

We are trying to limit our vacations to 1 a year and there are so many places to go besides WDW. So we will probably continue to bank and sell pionts. We have a Disney cruise booked but plan to sell our points to pay for it - makes more sense.

Our upcoming Christmas trip is the first year that we have use some of the current year's points. Be have a 2BR and studio booked.