Do you frequently borrow points or.....

[Splash Mountain Fan]

Bankers, so far. However we bought resale and received a full year's worth of banked points.

 

[Mamadis]

We bought a resale with a full year of banked points. Added on immediately and got developer points, so we are currently bankers.

 

[tksbaskets]

Interesting that this thread appears today. I just banked points (Aug. UY) but now we are contemplating a 4-Day NYE cruise next year. If I combine my banked with my 2008 and borrow ALL of 2009 we can book two cat. 8 rooms for the four of us. Now I'm thinking I'd love the cruise but be sad that that would mean no trips in 2009.

Sigh.

 

[bmalonef45]

Mostly been borrowing but as we just booked for Thanksgiving of this year we had to borrow from this years points to make the trip. By the time we take it we won't be borrowing. June UY. I'm of the perspective that if I've got the points available to use borrow or current and want to take a trip thats why I signed up with DVC.

 

[TriMom]

We have become cronic borrowers. We did bank the first year that we were members - but that was it.

My UY is March - we have 6 2008 pts coming then, but of course I have already used them, plus all but 2 of my 2009.

However - we will have a wonderful!!!! 12 night trip this May before my oldest starts Kindergarten and we will have to give up slow times.

 

[javamom]

*chuckles at self* We told ourselves that we would make this first upcoming trip in June and then take a year off (except for a probable cash ressie in the Fall). We say that, because then we will not have to be borrowing points. We have decided that we want to go the week before Christmas again. Well, we could go Christmas 08, but that would mean borrowing. So, we've "planned" to wait until 09, so that we are not perpetually borrowing. We shall see how well we are able to control our Disney bug.

 

[alldiz]

Glad to see I'm not the only one borrowing

I still have enough for 2.. 5 night stays in a studio for 09....
unless I go 1x a year.....I can't seem to pay the weekend rates....

I did my 1st 2 trips.....but I start to get in a panic if I
don't have any disney trips on the horizon...so I don't use points
on weekend .....gives me another 5 night trip

Of course I bought DVC to stay in studios.....have yet
to stay in 1 yet
Kerri

 

[simzac]

If a year comes up that an owner can't take a vacation, a banker who always has banked points runs the chance of losing those points. A borrower has the cushion of being able to then skip a year and not lose any points. On the flip side, a banker always has more points to work with than a borrower. Pros and cons both ways. Me, I'm a borrower, probably always will be.

 

[castleri]

Working with three contracts I currently have all three situations going plus some points in holding that I hope to be able to use tomorrow to book a reservation for March. Started out not wanting to borrow but then as several have said I will be 99 in 2042 so it won't matter if I have used all those OKW points - I will still have the SSR ones and maybe some BCV. The last two years I have seen the advantage of borrowing more and more.

 

[tomandrobin]

So far we have used our points during the year. But to use the system properly, we have banked and borrowed our points.

This coming year we may end up with excess points. We originally had planned a big December trip with the kids, but they are not going now. So the points we had set aside for a long two bedrrom reservation will be for a studio.

 

[durango kid]

You want to hear something sad...? We are ALWAYS borrowing, and if we lived any closer to the World they'd make us wear a costume. As silly as it may seem, a lot of Celebrators (Celebration-ites?) spend points on overnights even though we are only 5 minutes from home. We do this especially for kids birthday parties and when the grown kids come to visit.

 

[debbiepump]

always in the hole.

 

[dvcdisney]

We borrow more than bank. So I really think we are in need of more points. We just bought 100 AKV points and it's wasn't enough. We had to borrow more points. I think though that we use up more points because we stay at the 1 bedrooms (which is twice the points than studio). When the kids get older we are planning to book studios and just pack more clothes.

 

[tfc3rid]

Have never borrowed in 8 years... I've banked at least 100 points every year thus far...

 

[psu4glory]

always borrowing...we've gotten into the habit of taking two 5-10 day trips a year (which is a hard habit to break ).

as soon as we pay off some of our existing bills and can save up enough money, we'll need to add on to our current 200 pts so that we can finally get out of the hole...

 

[alldiz]

You want to hear something sad...? We are ALWAYS borrowing, and if we lived any closer to the World they'd make us wear a costume. As silly as it may seem, a lot of Celebrators (Celebration-ites?) spend points on overnights even though we are only 5 minutes from home. We do this especially for kids birthday parties and when the grown kids come to visit.

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

 

[bobbiwoz]

We have a few points banked, but mostly we are borrowed. There is still our Christmas/NYE vacation to book and we only have 70 or so '08 points, and more telling, we only have 550 out of 855 '09 points left. We also are waiting to find out if a DCuz can join us for our November vacation.

Bobbi

 

[liznboys]

We haven't been members long (3 yrs) and so far we've banked. However next trip we will most likely enter the borrowing state-and that is a-ok!! I think I used to feel that I wanted to "save" our points. But my attitude has changed and I want to use our points as much as we can sooner than later. Got to live life now.

 

[alldiz]

Yes....I am a live for today kind of person......

I should have booked 2 studios for my Oct trip with my parents.....
but I splurged on the 2BR.....
those 1 BR units COMPLETELY spoiled me.....

If I strip my points 1 yr and need to take a break....maybe I'll go
somewhere else .....Ok...I'll probably just pay cash
Kerri

 

[Halle]

Members since '93 and have always been in the borrowing mode. I don't know why but it always made sense to DH and I to borrow. When we first joined and for a few years you were only permitted to borrow 50% of points. A year ago we bought an additional contract with mega banked and borrowed points...woo hoo!!! More trips to our fav place!!