Does anyone try not to ever "Borrow " Points?

[goodcook5]

I never have enough for this year
we bought 500 so I don't know why we are always out of points...maybe need to travel less

nah

 

[bobbiwoz]

No, I don't try not to borrow, which is good because I always do! We've only about a total of 30 points in '06 left, and we've only booked up to our June trip. There's still the F&W trip and Christmas. I "worry" a bit because December '06 will find me borrowing at least 100 points from my March '07 UY points, but I figure there will be January and February to use them in, if anyone cancels. Yes, I would like not to be in THAT position, it's not the borrowing, it's the nearness to my use year that worries me.

Bobbi