Do you frequently borrow points or.....

[shellybelly72]

So far we have not had to borrow.
I just banked the rest of our points for this year, but then we decided we want to take another trip in August-sooo we will be borrowing..

 

[BEASLYBOO]

I've banked, borrowed, rented and bought transfer points, we live for our vacations.

Banked to save up for the Grand Villas, and bought extra points to add a few days. My points (210) are usually enough but not always.

 

[durango kid]

I think that is great

funny I was just wondering today if the people who live so close
to WDW.....actually lose the magic.
Glad to hear that it is alive and borrowing
Kerri

No way do we loose the magic. We go to the parks often, sometimes just for dinner. If it's too crowded we just go home. I never get over that first view of the castle as you walk down Main Street. So while my wife probably won't ever let me add on, we also never have a need to bank.

 

[wdw4life]

My first trip I used three years worth of points. Stayed in a GV with friends and had a wonderful trip. So, I've done both. I actually banked some of my '07 points but that was only a total of 4 so I don't really count that.

Once GCV opens I have a feeling I'll be in perpetual borrow mode.

 

[Anal Annie]

Hummm. We just bought in Dec. of '06 and so our vac. in '07 was on '06 points. We banked what we didn't use into the '07 points and then booked a cruise for '08. So we JUST now got our '07 points in Dec. and there are only 10 left because of the cruise - so we will bank those into the '08 points. Now. In 2009, we want to do sort of a grand gathering type of trip for my parents 50th anniv. - so rather than borrow into these '08 points, we have 2 trips booked on cash ressies for this year (we bought AP's which only leads to taking more trips!). So, I guess I'm a little weird, 'cuz the points are AVAILABLE, but I don't want to start borrowing already! It just seemed like a hole I would never dig out of and I really wanted to leave these points for our '09 trip. Both of the trips we have booked for this year on cash are short (4 n next weekend over MLK and 3 n pre-cruise this summer) so neither trip is outrageously expensive with the DVC discount and most of the nights are weekend nights - which a lot of people don't want to use their points for anyway. So I guess we're savers but yes, we need to do an add-on!

 

[mello]

We've had extra leftover to rent, and we've borrowed, but we've not yet hit it just right. I imagine that will continue to be the case for us.

 

[MELSMICE]

So far we've only banked.

I try to work on the premise that we only have "x amount of points per year" & don't think about the ones that we would be able to borrow - it's just a mental thing!

We just added 40 pts. this week & I'm loving that I have those extra points to work with every year now!!! The best part is DH said he knows we'll be adding more!

 

[TunaJr]

So far we have banked....but I see in the near future we'll be borrowing....I see a 50 point add-on coming on fast......

 

[StormTigger]

I bank, I borrow, unfortunately I even lost points once thanks to friends cancelling on us and then a math error on my part (I still blame them though. )

So far I think we've managed to use are points at just the right level for the number of points we have, but I really would love to be able to add on, after staying in 1bedroom, those studios are hard to go back too!!

 

[brianm27]

So what's wrong with borrowing or being in constant borrowing mode?

Seems to me that's buying at or just below your minimum need and making good use of the systems flexibility.

That is how we make our 120 points work for us!