Do you borrow points?

[downontheBW]

Only had to borrow once - that was the year we did a cruise on points and WDW. But, we're still staying in studios - I'm afraid to try a 1BR, we'll get spoiled.

Next year we're doing a 2BR and invited family - can't wait

 

[kritter]

Me 2, the original three were the best movies ever!

DH said to tell you that he totally agrees with you. Have you ever been to WDW for Star Wars Weekend??

 

[d-r]

we have 660 pts and are permanent borrowers. Haven't figured out a reason not to be. I guess in 2050 or whatever it will catch up with me.

 

[TDC Nala]

All the time. I have 5 2011 points left.

By the time my contracts expire (especially the little SSR one) I will be old enough that I won't care if I can't book a room at the Beach Club for food and wine.

 

[taaren]

The original plan with 200 points was to bank and borrow every other year and do little trip, then big trip, little trip, big trip. Unfortunately we are only 2 years into this plan and realizing what we really want is big trip, medium trip, and fortunately happened to have enough cash to buy an additional 75 pts ... unfortunately looking at the numbers I'm still not convinced that its quite enough for what we want to do so we'll prolly rent a few extra points until we can afford another small contract in a few years (and the MFs to go with it!).
So the answer is yes, definitely borrowers here. Okay with bankrupting myself in 2059 but I wish we'd gotten some of those incentive points I hear other people talking about!

 

[brianm27]

We have bought and borrowed but never banked (or worried about missing a banking deadline!)

 

[Rochester Disney Fan]

All the time. I have 5 2011 points left.

I have 10

 

[rillsung]

I have 10

LOL I have 11! However, we JUST got the contract, with a few banked points and are managing to use it about 6 weeks after closing... We have another contract out for ROFR and will hear back next week. So if we get that before our next vacation, I can use THOSE banked points and then bank from this contract for 2010. It's going to be complicated, I think! Unless we just use the new banked points that will expire in November for another trip

 

[deerislemaine]

We just bought DVC (250 points SSR) on resale. We had 252 points to use in 2010. Just planned our first trip in January, and we borrowed 18 points. We plan another trip in May and then one in early January 2012. We plan to borrow all of our 2012 points. This will allow us to make the most of annual passes. It also allows us to make the most of our points.

When we talked with the DVC guide who had been a guide for more than 12 years, he advised us to use our own points and borrow until we didn't have any more points to borrow. This seemed like sage advice to me. Why buy more points until you knew that you didn't need them. If we run out, we'll consider renting or buying transfer points or buying more points. Our thought was to make sure that we use our points when we want them. If we need more, then we'll consider buying or renting more, but why buy / rent unless you know that you need them.

We're new at this, but that's why we borrowed within a few days of getting our points.

 

[briangib]

With the banking deadline the way it is, we always wind up both banking and borrowing every year. I guess we don't plan far enough ahead.

 

[Nikisha421]

Yeah I borrow and honestly at some point I will run out or if life makes a great turn I will do an add-on that I feel comfortable with...

 

[browniemtb]

Just borrowed for the first time a couple of days ago. Needed a bunch of points to bring extended family down with us.

 

[DeeCee735]

since day one

we figure we'll be in our 80's when our contracts expire, so why not :O)
get what we want now, while we're young and healthy and it's easy to go!

 

[PoohsFan1]

Add us to the list. We just became members in September while vacationing in Disney, and the day after we got home from our vacation, we got on the phone with ME and banked and borrowed for our May 2011 trip.

 

[MommyBell08]

borrow....buy......borrow....buy......Its a vicious cycle, there's no turning back from the dark side Its your destiny........

LOL

 

[Jaaron2]

DH said to tell you that he totally agrees with you. Have you ever been to WDW for Star Wars Weekend??

No we havent, it is on my list of things to do though. I imagine it must be pretty cool though. How bad are the crowds at that time?

 

[Pakey]

I may borrow in 2011. I have so many 2010 points that I banked and must use; there's no way I will get to WDW that many times. So we are thinking about taking the chunk and borrowing a few and doing another AbD (paid cash for last one).

 

[OurDogCisco]

We have always borrowed ever since we joined in 2003. But we don't do Disney World every year. We go every other year and then, once a year to Disneyland. I use to use convert to hotel points to go but now I don't have to.

 

[LJM721]

I did it for my first DVC vacation next year. I'm not ready to buy more points yet so I rather be a little short on points rather than too many. As much as I love WDW, I don't go every year, there's just too many other great places to vacation.

 

[kritter]

No we havent, it is on my list of things to do though. I imagine it must be pretty cool though. How bad are the crowds at that time?

So FUN. We have been twice, and loved it.....The crowds are not that bad, I suggest you go first thing in the morning and leave after lunch-time totally managable!!Highly Recommend it!!