DVC Resale Poly - Worth it to start with a small contract?

[LittleBitGoofy]

What triggered the move to buy more points? More space, longer trips? All of the above, haha?

For us, we started with 200 pts resale BCV in early 2023 and are now into the 800s. We got more to spread out to other home resorts, get our blue card for APs & future portability at new resorts, and upsizing to larger rooms.

I think we could have happily stayed at 200 pts resale, but we're enjoying the more trips which are "forced vacations," something I need these days!

 

[dizneyfan93]

Who said you have to be in a high tax bracket to afford DVC points when you can be financially irresponsible

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But seriously for most people, the dues will make up 2/3 or more of the cost of the contract so I always stress to people to buy what you actually want if it's possible financially. If you're going to go to WDW regardless of if you have the DVC contract or not, it's worth it to just go forward with the resale though if that's what you can reasonably afford

Plenty to consider, thanks! Even with the dues consideration, it's a big investment up front no matter which way you slice it.

 

[dizneyfan93]

For us, we started with 200 pts resale BCV in early 2023 and are now into the 800s. We got more to spread out to other home resorts, get our blue card for APs & future portability at new resorts, and upsizing to larger rooms.

I think we could have happily stayed at 200 pts resale, but we're enjoying the more trips which are "forced vacations," something I need these days!

All resale? Wow that's a lot of points!

Do you feel like you have to go to Disney though and spending more if you didn't have the points?

 

[LittleBitGoofy]

All resale? Wow that's a lot of points!

Do you feel like you have to go to Disney though and spending more if you didn't have the points?

We're a mix of resale (BCV & CCV) and direct (VGF fire sale was a hell of a drug). It is a lot of points, but points are fun!

In a few months we're taking the three generations to a Grand Villa at Copper Creek which is going to be amazing. We also spent a week in an ocean view 1BR at Aulani after not having been to Hawaii in 12+ years. We got into doing runDisney for the first time. These are trips we just wouldn't have done if we hadn't "invested" in our vacations with DVC.

And yes, we go to WDW more because of the points. We got points, then got direct that enabled APs, which lead to more points because why not make a fourth or fifth trip this year.

We spend plenty on dues and flights now, but it's fun and when it starts to not be fun then we'll sell off excess points and keep what feels like a good balance to hang on to.

 

[intamin]

What triggered the move to buy more points? More space, longer trips? All of the above, haha?

My wife and I have 660 points, 50% of which is direct RIV. Planning to add 150 direct Poly and expect that to be plenty for the family even when it grows beyond just us 2. For us we knew we wanted WDW to be essentially our regular vacation. We always wanted to stay deluxe but for the price point it was hard to justify but DVC made it a lot more realistic and we had no problems committing to Disney because we know it's something we both love and will continue to come back to. We even ended up blowing through almost 900 points in a 5 day span to host our families and wedding party here at WDW in what otherwise would've cost us over 30,000 in cash. During our first year as DVC members we took 8 trips down and have since moved here.. we're not planning on being locals for long but it's nice knowing we'll always be back.

 

[Faith_Trust&PixieDust]

Here to echo what others have said. I think if you want to start small, it's good to start now. It will only be more beneficial down the line. I love the Poly in general and especially the new tower, so owning there is a must for us. With the way I've fallen in love with Disney, I wouldn't want to waste cash when I could put that towards a contract. As you have mentioned, with the frequency in which you want to go, 50-75 points would be fine to start out with banking and borrowing.

 

[dizneyfan93]

We're a mix of resale (BCV & CCV) and direct (VGF fire sale was a hell of a drug). It is a lot of points, but points are fun!

In a few months we're taking the three generations to a Grand Villa at Copper Creek which is going to be amazing. We also spent a week in an ocean view 1BR at Aulani after not having been to Hawaii in 12+ years. We got into doing runDisney for the first time. These are trips we just wouldn't have done if we hadn't "invested" in our vacations with DVC.

And yes, we go to WDW more because of the points. We got points, then got direct that enabled APs, which lead to more points because why not make a fourth or fifth trip this year.

We spend plenty on dues and flights now, but it's fun and when it starts to not be fun then we'll sell off excess points and keep what feels like a good balance to hang on to.

Very cool! If you don’t mind me asking, what was the cost of the fire sale points?

I have such fomo that if I keep delaying I’ll me leaving money on the table for future vacations.

 

[dizneyfan93]

Here to echo what others have said. I think if you want to start small, it's good to start now. It will only be more beneficial down the line. I love the Poly in general and especially the new tower, so owning there is a must for us. With the way I've fallen in love with Disney, I wouldn't want to waste cash when I could put that towards a contract. As you have mentioned, with the frequency in which you want to go, 50-75 points would be fine to start out with banking and borrowing.

Thank you, definitely want to get in at some capacity soon to ‘lock in’ future savings.

 

[LittleBitGoofy]

Very cool! If you don’t mind me asking, what was the cost of the fire sale points?

I have such fomo that if I keep delaying I’ll me leaving money on the table for future vacations.

This will only intensify that FOMO, but here you go... Summer of 2023 you could get 150 points at VGF for $161/pt direct after discounts and using Magical Beginnings (those were up at $22/pt at the time, currently $20/pt - based on One Time Use (OTU) pts cost). 1-6-1 for DIRECT VGF! It was nuts.

We almost bought 200 VGF, were thinking of 250 even, and then scaled back to 150 to be responsible. Always regretted that and have since picked up another 40 pts direct once they finally came back after over a year of no direct availability and are now looking at getting the other 60 pts to finally make it to 250 there (that'll cover 2BD for 4 night stays when we plan to travel).

Starting with a smaller contract is a great approach, but you may get sucked in and that's okay too. These currently have great resale potential if things change.

 

[LittleBitGoofy]

With the way I've fallen in love with Disney, I wouldn't want to waste cash when I could put that towards a contract.

This is very true. I've gone back and looked at cash prices on rooms and thought, wow that would have paid for a nice sized contract just that one stay. Our AUL 1BD ocean view would have been $1500/night. We stayed a week using loaded points from a resale contract. That's nuts. (yes, you have ongoing dues, but I enjoy my math to be Disney Math)

 

[VGCgroupie]

Also, what tax brackets are some of you folks in to have large contracts

Make your way over here. https://www.disboards.com/threads/how-do-you-afford-dvc.3971303/

If you are looking for the best value and best bang for your buck Poly isnt it. This is also an amazing thread to look at. https://www.disboards.com/threads/most-economical-resort-beyond-year-1.3950476/

 

[maui22]

What triggered the move to buy more points? More space, longer trips? All of the above, haha?

We are in far better financial shape than we were in 2015 (when we bought the 65 point PVB). That was always a critical factor.

More trips and longer trips would be my priority. DW on the other hand loves 1BRs. End result is a compromise. Some trips she wins and some times I win.

 

[Moonspinner]

Just buy as much as you can afford and do it right away. You will have zero regrets.

 

[juliebee]

You seem to have a well thought out plan. Starting with what you can afford and feel comfortable with is the perfect way to go. You will want to make sure you get a good deal on a resale contract, so it's important to know how to identify a contract that has a good price per point. However, in resale you should know that larger point contracts typically have smaller cost per point. Smaller point contracts (less than 150 points) typically cost more per point. A good place to start studying is the current ROFR thread- linked here. The first page has a summary of the posts in the thread so you can see what other people are paying. There is a new ROFR thread every quarter, so looking back at the other ones this past year is also helpful. Remember it's not just the price per point, but also if the contract has current points, banked points, etc. Wishing you all the best on finding your perfect contract!