Make yourself a chart. We'll use June since you mentioned it.
Suppose you have a June use year. This means every June 1st you receive a new allocation of points to use during the next 12 months. A June use year chart would look like this:
<b>Use Year......Vacation Dates</b>
2002.....June 1, 2002 thru May 31, 2003
2003.....June 1, 2003 thru May 31, 2004
2004.....June 1, 2004 thru May 31, 2005
2005.....June 1, 2005 thru May 31, 2006
etc.
Suppose you wanted to take a vacation with a checkout date of Dec 15, 2004. This vacation is in your 2004 use year (6-1-04 thru 5-31-05), therefore it would require 2004 points. You can have points in 2004 three different ways. 1) The regular 6-1-04 allocation of points. 2) Bank points from 2003, 3)Borrow points from 2005.
At your HOME Resort you can reserve 11 months ahead. So for a 12/15/04 checkout date, you can reserve your accommodation on Jan 15, 2004 (11-months out). It makes absolutely NO difference how many points you have on Jan 15 when you call. It only matters how many points WILL be available in December. So in January, 2003 you're still in your 2003 use year. Maybe you've used all your points or maybe you have some still available you want to use. Let's say your contract is 200 points. Let's also say you have 50 points (2003) still available you want to use for that Dec '04 vacation. Let's say that vacation requires 220 points.
You call in January '04. You tell the CM your Dec 04 dates. She looks at the computer and sees you will only have 200 points available for that date (From your upcoming June 1, 2004 allocation of points). To complete the reservation you do one of two things. Either 1)bank the 50 2003 points you have into 2004. This gives you 250 points available for your vacation. The CM will use 220, leaving you with 30 2004 vacation points still available for your use through 5/31/05. Or, Borrow 20 points from your 2005 use year. This will give you 220 points to make your Dec 2004 reservation. If you do that, you still have the 50 2003 points to use sometime prior to 5/31/04, or you can bank them at a later date (subject to banking deadlines). If you do borrow, then remember that when June 1, 2005 comes around, you will only receive 180 points instead of the 200 allotment because you borrowed 20 of those points.
Hope this helps.
If you purchase a different use year than June, just make a similar chart. See what year your vacation dates fall in, then make sure you have points in that year. The reservation dates do not change. Jan is still 11-months from a Dec vacation no matter what use year you have. The only difference is what year the points come from.
Example You want to take a vacation in August 2004.
You have a June use year, so those points would come from your 2004 use year points (Jun 1, 2004 thru May 31, 2005)
Or, you have a Dec use year, so those points would come from your 2003 use year points (Dec 1, 2003 thru Nov 30, 2004)
