Constant state of borrowing vs. buy more points…

[RapunzelRN]

What would you recommend …

We started out with 2 stripped contracts for the price being right, but wanted to go on a trip during the current use year that we bought. Fast forward 3 years and we’ve been borrowing ever since. I’m mostly okay with it because the 130 points we have had allowed us many amazing trips so far, so I don’t feel like we necessarily need more points but I’m bothered by always having to borrow and never able to borrow more than the 130. For example, I can’t borrow next year because technically I always have none during my current use year and so I cannot have 260 for a really big trip or room and then skip a few years and bank and borrow for a large family getaway every so often. Only fix would be skipping trip for a few years to catch up or buying more points right? I’ve always had FOMO for not going direct yet either

 

[Sandisw]

If resale is something you’d consider, now seems like the right time to get a contract at a decent price.

If direct, the current incentives for VGF and RIV are pretty great.

 

[Stargazer65]

Only fix would be skipping trip for a few years to catch up or buying more points right?

Yes, unless you want to rent instead.

If you figure you are always going to want to go more, it is a good time to buy more points. OTOH, if you think you will eventually go less often, you could always rent to go on an extra trip.

 

[MagicDVC]

Yes, if you are always constantly borrowing, now is the time to buy more points. I'm seeing some great deals on the ROFR thread. You can alway rent out any extra points or take an extra trip!

 

[ML_LovesDisney]

We got into that and we just bought more points. RIV and VGF right now direct are too good to pass up, and resale if you're buying an AKV or SSR. We always tell ourselves "you can go every other year". LOL, never happens. So now I have enough points to go at New Years every year (it just works best with one kid in high school and one in college)

 

[Genie+]

If you’re finding it hard skipping a year now, might be hard to do in the future too. There’s many options. Would you consider selling one and putting it toward a direct 150pt? Or you could find a transfer of points from the rent/trade board here.

 

[kra623]

Another option may be to look for a transfer from another member into your current use year. Then you can skip your borrowing for that year. Would cost a bit more for that particular trip but not as much as purchasing more points if the 130 would typically be enough except for the fact that you started out in the negative.

 

[bakerworld]

You could take a year off from Disney and problem is fixed. We took a year off of using DVC and it took us out of borrow mode. We cruised and stayed at the Dolphin. Although I must say it's amazing you've been able to make 130 points work.

If you've direct buy FOMO I think posters were saying the summer incentives were very good. You'll need to purchase a minimum 160 points (I think). We always financed our points. DH doesn't believe in diminishing our savings.

 

[zavandor]

Have you considered transfering in some points? The cost should be similar to renting but you'll have control of the reservation. Also, you can combine them with your points (but you might need to call to book).
This way you'll be on "current" points and see.how it goes. If you find yourself again always in borrow mode, then maybe you should add on.

 

[JulieBeeRN]

There are some really good resale right now…….

Full disclosure: I’m always on Team Buy More Points. (as long as it is financially responsible)

 

[Stargazer65]

What would you recommend …

BTW, there is a poll discussing this. You should check the poll results if you are on the fence:
https://www.disboards.com/threads/poll-should-you-buy-dvc-now.3925796/