Do you frequently borrow points or.....

[alldiz]

just use the exact amount that you have...or bank...

I just added 50pts....and i already borrowed 68pts from 09
Just wondering how everyone usually uses their points.

I'm usually borrowing points....never seems to be enough.....
Kerri

 

[browniemtb]

So far we've done rental, bank and borrow. For us every year is different but we purchased enough points that I think we will be ok, but last night we did talk about an add-on if they open a CRV-Villa at the Contemporary.

Brownie

 

[wildernessDad]

We've been bankers so far. We've only been members since 2005, however.

 

[Disneydreamsk]

We are always in the hole. Borrrowed half of next years points for a June trip already.

 

[Disneydreamsk]

We are always in the hole. Borrrowed half of next years points for a June trip already.

 

[jenelope]

I borrow if I have to, but never a lot of points. I always make sure I still have enough points for a week in a studio in the year that I borrowed from. Of course, when I find myself planning a vacation in a 2 bedroom (as I am now), even a 20 point deficit seems huge.

 

[dianeschlicht]

We have both borrowed and banked, but mostly we are points ahead each year. The only time I have borrowed is when I have banked too early and then needed more points.

 

[dcfromva]

We generally bank....Last year, we banked most of our points for our DEC 2006 UY.
But for our 2007 UY, we took 3 nights at BWV in DEC, 6 nights at the Grand Calif over NYE (2 rooms X 3 nights) and 2 more nights at the GC (we check out today ). We used all our banked points, our current UY points and borrowed 2 points from next year!
(I was just thinking how sad it was that we used up all our Dec 2007 UY points. But, it was worth it and we got to see the GCV construction, too. )

 

[DVC Mike]

Never had to borrow yet; always banked excess points.

 

[SusieBea]

Always borrow; never bank (it's the American way! )

 

[TDS'93]

We are always in a state of perpetual borrowing. We have been members for almost 15 years and I think we banked once. Oh well, I'll be 92 when our contract is up, so I don't think it will make much difference if we are in the hole a year before our contract is up. It will have been a great run.

 

[bwvBound]

So far we've banked every year. It looks like we'll be banking for a while to come.

 

[btrim]

I agree with SusieBea and TDS'93. We will be so old by the time our contract runs out, it won't matter, so I borrow if I need to. Right now, I have already planned trips with all of our 2008 points (March UY) and have borrowed a few from '09 for a trip in May.

We love to use our points and we enjoy every trip. I can use our other timeshare for a week in Orlando if I ever get to the point where I don't have points to bank or borrow.

 

[starbox]

Knock on wood....but we have not borrowed more than 15 points - and even then, we had banked to not lose points and decided on a last minute trip. I'm just afraid that once I start borrowing, it will be a vicious cycle and I'll end up needing more points to maintain the level of trips I've gotten used to.

My 40th birthday is a few years away though, and I am already planning to take a week of personal time @ work and take a fall trip to WDW. My first trip to the MK was for my fourth birthday - so it should be a cool trip.

I just can't decide if I want to bring my kids or not.............(hope they don't read this!). I guess I'll just have to see if they are nice teenagers or grumpy teenagers....

 

[SuzanneSLO]

I consider us to be major borrowers. While we have banked points, that is only because we take 2 long trips during a UY, then take no trips the following UY. We have owned since 2005 and have already added on and had points transferred in as well.

But I look at my DVC points like they are "gift cards" I have already purchased. I would not spend more money at the same store (or not purchase an item I need) as long as I have a "gift card" that I can use.

Also, we are in CA and cannot just hop down to WDW at a whim, so I worry more about expiring points than needing more than I have. Inevitably, the time will come when we need to skip a trip and then we will be back in balance.

-- Suzanne

 

[bblanch]

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.

 

[eva]

We do a lot of both. We do this to utilize the 11 month window for our stays. Since we own at 4 resorts, this works extremely well. For some stays we utilize banked and borrowed points for a reservation, like a week stay in a GV at AKV. Planning takes a bit more. But it is worth having the 11 month window for every trip we take.

 

[Boardwalker]

Started out banking.
Moved to borrowing.
Added on.
Banked again.
Borrowing again.
Anyone see a pattern here?

 

[llmurphy17]

So far we bank to save for our plan to take a 2010 cruise.

 

[disney junky]

Borrowed more than banked. I fret more about not using points than using a few ahead.