We recently bought 260 points at BLT. We had looked into DVC 5 years ago when they were selling SSR, while the rooms and resort was nice, mathematically, I could not make it make sense for us to join. We always go to Disney on a 'Deal.' Either a reduced room rate, which we have used to stay at AKL, or the 'Free Dining Plan' which we use to stay at a Moderate Resort. Our vacations have never cost more than $2,200 for a family of 4 for 7 nights including tickets and dining plan. And back then we were a family of 3, so it was even cheaper (DS8, DD5 now). However, during our vacation this year, I knew in the back of my mind we would most likely be looking at DVC again as financially we are in a better position and with BLT being a Monorail Resort. Plus my wife secretly wants to be a Deluxe Resort quest
as we enjoyed our stays at AKL.
We signed a 160 point contract while on vacation, and after looking at financing rates, less than 5% HEL vs. Disney's 10.75% when I got home, I figured we could afford more points. Decided to add an add'l 100 as I would like to visit HHI yearly. We went to HHI in 2008 outside of Disney, and the family loved it. Anyway, the add'l points entitled us to an add'l discount, which our guide could not figure out how to retro-act to the original 160 point contract. So he rewrote the contract for 260 pts. and then I switched UY. And then we finally signed, again
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My plan is to use our points for 5 nights in a 1 Bedroom in HHI in July or Aug and for a week in a 1 Bdr or Studio in Disney in Nov for the next 6 - 10 years and then who knows. While having the contract broken up for inheritance reasons sounds good, I'll only be 86 when the contract runs out and plan on still being around
. Also, my thinking now is that another 140 pts would be ideal for a total of 400 pts, allowing us to stay in a 1bdr for a full week in Disney and HHI, but the MF add up and since we just joined I will wait to see how we actually use our points. Maybe the Poly DVC will come around in 5-6 years and I will add on there 


We signed a 160 point contract while on vacation, and after looking at financing rates, less than 5% HEL vs. Disney's 10.75% when I got home, I figured we could afford more points. Decided to add an add'l 100 as I would like to visit HHI yearly. We went to HHI in 2008 outside of Disney, and the family loved it. Anyway, the add'l points entitled us to an add'l discount, which our guide could not figure out how to retro-act to the original 160 point contract. So he rewrote the contract for 260 pts. and then I switched UY. And then we finally signed, again

My plan is to use our points for 5 nights in a 1 Bedroom in HHI in July or Aug and for a week in a 1 Bdr or Studio in Disney in Nov for the next 6 - 10 years and then who knows. While having the contract broken up for inheritance reasons sounds good, I'll only be 86 when the contract runs out and plan on still being around

