Do you live on borrowed points?

[Disney1fan2002]

When you consider the above alternative, the pervasive aversion to borrowing witnessed here is rather perplexing.

In fact, more than a few members have done analysis that shows a perpetual state of borrowing to be extremely advantageous.

Oh, and be sure to avoid the purple perpetrator. (That last sentence doesn't mean anything. I'm just having fun making "perp" sounds.)

I will avoid the purple perpetrator by purposely perplexing perpetual point borrowers!


Back on topic, I do not know why I think it is a "bad" thing to be in a state of constant borrow. I just don't like it. Probably because if I could avoid borrowing, and actually BANK, we could have quite a vacation with 200% of our points.

 

[mitros]

Just wondeing, how many years ahead can we borrow from? For the first time since we joined in 1992, we have borrowed. We only have 120 left in our 2007 use year! If I use up the 2007 points will I be able to borrow from 2008?

 

[bpmorley]

You can only borrow one year ahead.

 

[byoung]

So far we are the living on banked points. It's great.

 

[disney junky]

I came to this conclusion a couple of months ago to always have points borrowed. We are limited as to our travel times, so we don't really have the option of taking two or three days in the off season to use 20 or 30 points.
Rather than have a dozen or so left over, I'll book the extra day and borrow another ten or 20 points. Seems to work for us.