As I recently found out, this can be tricky. The computer is just not set up to use current use year points for the questionable reservations first -- you need to use banked and borrowed. At the same time, you cannot borrow until you use current (although there are some reports of being alowed to do so.) But one thing you can do is make dummy reservations to "occupy" your points and allow use of the points you want. Then you can go back and cancel the dummy reservation to open back up the points you want.
Here's an example: You have 150 points per year. You want to make 5 reservations of 80 points each, two of which are questionable and three of which are for sure. All reservations will be in the 2011 use year, which currently has its 150 regular points and 150 points you banked from this year. Here's one way to do it if you wanted to do it all in advance, without cancelling and reapportioning later:
1) Book for sure number 1, using 80 banked points. This leaves you with 70 banked and 150 regular.
2) Find a reservation that uses exactly 220 points. Book it. This is dummy number 1. Now, you have no points left in 2011. Find a reservation that requires exactly 90 points. Book it, by borrowing 90 points from the 2012 UY. This is dummy reservation number 2.
3) Cancel dummy 1 and dummy 2. Now, you have the following in 2011 UY: 70 banked, 150 regular, 90 borrowed. Book for sure numbers 2 and 3, using the 70 banked and 90 borrowed points.
4) Book questionable number 1 and 2, using your 150 regular points, plus you'll still need to borrow 10 more from 2012.
End result: 3 reservations using banked and borrowed, 2 using mostly curent use year points and 10 borrowed. If you end up canceling the questionable reservations, you'll be left with 150 regular points in 2011, 10 borrowed points in 2011, and 50 regular in 2012.
There are easier ways to do it, but I think this is the most efficient and leaves you with the minimum possible banked or borrowed points (10) on your 2 questionable reservations.
YMMV, but something similar (though less complicated) worked for me recently.