Borrowing ???? Am I right??

[edk35]

Okay.... explain this to me. Our UY is Oct. so we have 234 points coming this Oct. When we go next July and hope to stay at BCV for a week or more..I will need to borrow from the next UY Oct. 09 to make this happen because 234 pts. doesn't go far for a 2br. there.
So say we borrow 81 points from that UY09 which now currently has 295 pts.....our balance now becomes 214 and will available on Oct.1st 09. If I book another week or so trip at BCV the following summer 2010 I would still have to borrow from the next year's points because 214 would not get me what I want. IS this right?????? Can we keep borrowing like that? I guess until I am willing to skip a year, or go another time of year (whch isn't happening anytime soon with the ages of the kids and school) this is what we will be doing. I know we can try for discounted cash nights. We actually did this for our long trip this summer. I don't want to fork out 4 nights worth again though. I am willing to pay 1 weekend night or maybe 2 but I would like to get the most use out of my points since we need cash for other things in order to go to Disney. Thanks

 

[bellazachmom]

You pretty much have it right ... and we do the same thing!

The way I figure it, if we borrow every year then we just end up with one less year at the end of our 40 year contract. I'd much rather have the vacations we want now and miss out when I am old and gray then pay out of pocket now!

 

[edk35]

You pretty much have it right ... and we do the same thing!

The way I figure it, if we borrow every year then we just end up with one less year at the end of our 40 year contract. I'd much rather have the vacations we want now and miss out when I am old and gray then pay out of pocket now!

You know this is true. A MS rep told me TO NOT BE AFRAID TO BORROW. She said you never know what might happen a year from that vacation. You might be planning to go and can't for whatever reason. So she said....if you have the time take it now vs. always worrying about whether you go over in pts. on a particular year.

 

[DebbieB]

Just be careful that your plans are solid. If you borrow, the points have to be used by 9/30.

 

[edk35]

Just be careful that your plans are solid. If you borrow, the points have to be used by 9/30.

I know...I always make sure because of our UY. Thanks