Borrowing points

[melissa70]

Does anyone routinely borrow their next year‘s points? To maximize the amount of points given each year.?

 

[Girlstar30]

Sorry im laughing because I just made a thread about how I have three memberships and no points left

 

[Chili327]

Does anyone routinely borrow their next year‘s points? To maximize the amount of points given each year.?

Definitely!!
I would think almost everyone has banked or borrowed multiple times. Whether you go multiple times each year, or once every other year, I don’t think anyone has the perfect amount of points to match the exact amount for every trip.
A lot of people plan on going every other year, so they can use close to 2 years of points per trip, then you have the next year to bank or borrow from so you don’t waste or come up short ever. This was my plan, but I’m having a hard time not going every year. lol

 

[Wedgeout]

Did a lot of it this year but you can only ‘routinely’ borrow until you reach..”Oh crap, I’m out”. Then you realize money is about to exit your savings account at your favorite AddOnMorePoints.com

 

[melissa70]

So it’s okay to always be the arrears

 

[toesmom]

Does anyone routinely borrow their next year‘s points? To maximize the amount of points given each year.?

yes we have borrowed to complete reservations, but if plans change you will need to try to reallocate borrowed points into reservations to be able to not lose any points. But yes that is flexibility with DVC program.

 

[melissa70]

Can you borrow up to two years of points or only one year?

 

[AnnaS]

You can only borrow one year - you can bank (if you have any left), use current and borrow and have three years worth of points for one vacation.

I have banked and borrowed. Many times I try to bank a few when I know my adult kids need a few points (two out of my three kids own small contracts).