Does anyone try not to ever "Borrow " Points?

[susieh]

We always borrow!

We bought DVC on the basis of travelling to WDW every 2-3 years and having enought points to do that and no more. We started out with 220 points and now have 245. I've just booked for June 2006 and have used all of 2006 and 65 of 2007's points to do so!

 

[quentina]

We are forever borrowed...My hubby tells me that eventually my son will want to skip DW and we will get back on track.

We'll see, I may not want to skip it!!

 

[allie&mattsmom]

Oh my gosh, our points are borrowed up until '07 . However, I must admit we took some HUGE trips lately, taking many friends and family. (I'm tryin' to convince DH we need to "invest" in more points!)

 

[hockey mom]

The good news if you are purchasing now and don't have a trip planned until March 05 then you can start off in a "Banking" frame.

We just bought with a March UY so we banked the majority of our points which gives us a nice healthy total come March 06 when we get our next batch of points.

 

[CHOPR]

I'm with hockey mom on that score! We plan on one trip a year and just joined SSR in May. Since this years trip is already taken care of ,we will start with 350 points (175pts annually) I don't see needing to borrow points until the 4th year if the real world does not interfere. Of course, I also don't think we'll wait that long before the add-on bug bites!

 

[TDC Nala]

Heck no, I always borrow points. It's not a bank account. It's more like a reallocation of resources.

 

[Ali and boyz]

my calculator is red hot trying to work out different ways of using points I was going to use cash rather than borrow but after reading everybodys post might just borrow now

Husband has ran away

 

[dizplanner]

I have yet to stay at DVC, but have already banked and borrowed. I bought a resale with 2004 points, banked them and will use all of my 2004, 2005 and 36 of my 2006 points for our trip next March. (I have a Aug UY)

 

[chirona]

I used to feel NEVER borrow and save only. Well I was in need of a Disney fix and I couldn't have points transferred into my account in enough time to book my trip. I decided in January 2005 to borrow points from my Aug 2005 use year. I said I will just rent points for my summer vacation. I decided to go in Oct I Borrowed from 2006. I realize that my contract in until 2042. In 2006 i can borrow from 2007 or I can rent. I always have the next year by the time 2042 I wont be able to go to Disney (smile).

 

[NMW]

We don't PLAN to borrow points, but I'm not totally against it either.

We did bank 8 2005 points for next year!

 

[lllovell]

We haven't borrowed YET, but I am sure at some point it will happen. So far, I have been able to really stretch our points, but with baby #3 due soon, we will want bigger accomidations in the near future I am sure.

 

[doubletrouble_vb]

I've always done both. Any points I don't have a plan for come May I bank. So if I have a trip between May and December I have to borrow. Plus I choose to visit DVC frequently one year and then Universal & skiing the next so I tend to use more points one year than the other....works out to a 225/75 pattern with the 75 going towards concierge.

 

[marathonmommy]

...I figured if I don't have any points left for my last year, 48-49 (which ever it is) years from now (if I'm still even vertical), I probably won't care!

Very well said. My thoughts exactly! They don't allow anyone to borrow more than they can handle. Worst case, your last year is shot!

 

[patsal]

I TRY not to borrow points, and for the most part ahve been successful. I started with 210 pts. heck a studio is better than a regular room--but quickly learned that a 1BR worked so much better for my family. Added on 100 pts. I have used all of the points every year and would have had a few (8) to bank last year if I hadn't introduce my lil sis to a room at OKW where we overlapped our vacations for two days! I had to borrow 12, not so bad, and if I play my cards right I may have a few to bank next year! Of couse then I'll have new AP's and I'll try to squeeze 3-4 trips into the year and well we all know what happens then--of course I'm chasing after the "perfect" add-on at OKW with an April use year--maybe then I won't have to borrow!

 

[gppnj]

I'm a relatively new member. When I bought, I got 2005 points, but my vacation plans for 2005 had already all been made. As a result, I didn't use any 2005 points at all. It's kind of nice to start off with a big surplus. My plans for 2006 have me spending all of 2005's points but only some 2006 points, so I'll still have some extra ones. I'm OK with carrying a surplus as long as I make sure I spend at least the previous year's points each year. (I don't ever want to lose a single point.) I'm sure at some point I'll exhaust the surplus by paying for a cruise with points or something like that.

 

[RweTHEREyet]

I have used all my Sep and Dec 2005 UY points, so don't get any more until 2006. The only problem I have with borrowing is that I would like to make a tentative ressie for next summer now, but don't know if we really will get to go, and since the points would be borrowed, they would have to be used before the new UY started if that ressie was cancelled. That is the only drawback I can find to borrowing, and that only happens when you borrow ALL your points. We had one year where we used a lot of weekend Holiday points and we have been playing catchup ever since, even with doing add-ons.

 

[kaw1106]

We borrow, I wish we didn't have to, but 220 is all we have in points, so until we save to buy more points, we will have to stick to borrowing.

 

[dizmomofrjf3]

How many years in a row can you borrow? Can you borrow twice in one year? For example I have 200 points. My use year is june.I just used 155 in August.That leaves me with 45 left. I just booked another trip in Feb 2006 by using the 45 points and borrowing 135. That leaves me with 65. If I want to take another trip in Aug can I borrow again?Do they ever cut ou off from borrowing?

 

[newholidayx2]

Since 2001 we've been banking - we only have 170pts.

This yr we'll have about 90pts to bank to next yrs. Next yrs cruise will be cash. We're planning a family vacation to WDW the wk before the cruise. But that still leaves us with points that will be banked to 2007 unless I find a way to get me/us there before next August!

 

[RweTHEREyet]

How many years in a row can you borrow? Can you borrow twice in one year? For example I have 200 points. My use year is june.I just used 155 in August.That leaves me with 45 left. I just booked another trip in Feb 2006 by using the 45 points and borrowing 135. That leaves me with 65. If I want to take another trip in Aug can I borrow again?Do they ever cut ou off from borrowing?

You can borrow as many times as you want up to the maximum amount of your points in that year, provided they weren't points that were banked in the first place.