Economic Decision

[Disney Anna]

Oh no, I haven't been offended by any of the comments made. I appreciate all of them. I love this board. It's a great help, great fun and sometimes a great place to vent.

On to the venting...it can just be so frustrating. As I said, we are doing great financially. And both of us are great savers, investors and are quite conservative with our spending. I just tend to let myself go a bit more now and then in the spending department. I think it goes back to how we were raised as kids. DH's parents had tons more money than mine, but I grew up with lots more Christmas gifts, we drove better cars, we had a pool, etc. We just had more things - while at the same time, we were still financially very stable, even a bit well off. DH's parents were very frugal.

I think that has carried over.I am very practical. Would never consider buying into DVC if I couldn't pay it off in one payment and couldn't afford the annual dues. So I'm not being some crazy spender.

I could go off and just buy it...but I really don't want to do that unless we're both into it. It's not like I'm Disney or vacation deprived. I go to Dland about once a month and WDW about once a year, sometimes more.

Anyhoo, we'll see what happens. No worries.

 

[blizzard]

Hi,

I had a thought this morning that may or may not apply in your situation, but it sure made me happy.

We are financially ok, but not wealthy. I purchased DVC almost 10 years ago and it is almost paid off. (if I were doing it again I would finance differently, but the rate of the Cdn dollar at the time had a lot to do with why we went through Disney)

Anyway, you mentioned that you had no kids. When I bought, I also had no kids. At the moment, I have a 2 year old and a new child to be born in May. Now that DVC is paid off, we have another 35 years of Disney trips for only the cost of maintenance to pay. I'm sure looking forward to spending those vacations with my kids at Disney for that price!

(Not sure if you have kids in your plans or not - I didn't 10 years ago - but I'm glad I bought in when I did, and it works out perfectly for us)

 

[Disney Anna]

Holey moley, no I don't have any kids nor do I plan to have any. I'm 42, going on 43 this year - didn't have the inclination before and I really don't now at this age. I do have a neice and a nephew tho who are 13 and 12 years old. They are both Disney fans, especially my neice. My sister and I are already planning her Disney wedding.

 

[greenban]

Holey moley, no I don't have any kids nor do I plan to have any. I'm 42, going on 43 this year - didn't have the inclination before and I really don't now at this age. I do have a neice and a nephew tho who are 13 and 12 years old. They are both Disney fans, especially my neice. My sister and I are already planning her Disney wedding.

Never, EVER, say never!!!

 

[Disney Anna]

Oh yes, to parenthood, I am saying never.

I'm perfectly happy being the godmother and aunt to other people's children. And the mama to my four fur babies (one doggie, 3 kitties).

 

[magicmama]

I didn't buy into DVC as an investment. I did the numbers in many different ways as previously suggested by others on this board to 'justify' to myself the possiblity of purchasing DVC.

Then I thought about DVC as a very nice 'travel car' that will take me to 'the magic' for 40+ years. There is always the 'gas & maintenance ' that goes along with the upkeep of a nice car. (yearly dues) And after 40+ years (when I'm 90!!) Disney gets my car back. And I have many years of memories. Now I feel great about my pricey 'travel car'. It takes me places I would never have gone before. Maybe not the best analogy but it makes simplistic sense to me!!!

Hopefully, your DH will go 'along for the ride' and discover the magic in places he had not traveled before. (You notice different things when in the 'travel car' than when flying or staying off-site) There's a lot to do besides the parks if you stay DVC.

 

[rsinj]

.

 

[LisaS]

Lastly, when going on vacation, you don't have to do lots of planning and searching for the best deals at Disney hotels - you just call (it will eventually get to the point of online reservations), tell them when you want to go and that's basically the end of it. No hassles at all.

This is one of the reasons we bought in. Prior to becoming DVC owners, we would choose our vacation dates and then wait and wait and wait (and hope!) for Disney to announce AP rates. Now I can book our trips 11 months in advance. I love it! Except now I wait and wait and wait for Southwest to extend their schedule for my travel dates!

 

[blizzard]

Holey moley, no I don't have any kids nor do I plan to have any. I'm 42, going on 43 this year - didn't have the inclination before and I really don't now at this age. I do have a neice and a nephew tho who are 13 and 12 years old. They are both Disney fans, especially my neice. My sister and I are already planning her Disney wedding.

Well, you never know. I'm not that much younger than you (37), and this baby was not planned. DH has 2 other children, so we were happy with one. Sometimes things just happen. (We are very happy about the baby though - sometimes life is like that - we are definitely done this time though!)

Other kids (neices and nephews) are also good reasons to buy DVC. Disney is always different when you get to see it through the eyes of a child. If you are close, there are always grand-neices and and nephews too!

 

[Disney Anna]

Now if I get pregnant I'm going to blame these boards.

My mom was 37 when she had me and 40 with my sister, so believe me, I know it can still happen.

If it did happen, we would definitely buy in to DVC. Mmm, maybe that's a plan?

Just kidding. :

 

[3DisneyKids]

I agree with having him take the tour while at DL. That could definitely make the difference for your DH. Does he golf? If so, then Hello SSR!

 

[Disney Anna]

Sadly, no, he does not golf. That would have been a nice hook.

I will definitely get him to tour the place the next time I go.

 

[sgtpet]

I agree with Dean's comments.

 

[PattiPB]

Assuming it doesn't change...touring and buying at DL includes the incentive of 2 APs at either WDW or DL. That perk is worth $700.

 

[bongo59]

rinkwide sees the problem as do I..................its not about money its about what the two of you value in a vacation..................If the DH is not into it what is the point? I can not imagine going on a vacation that my wife would dislike recurrently over 40 or so yrs...........................If he goes on vacation with you, and you want him with you,(assumption)
i think you have to consider him too.............if these points are for you and your sister than go ahead...............to me it seems that these points may be in divorce court someday....................if he is not into WDW or DL it makes no sense to buy a contract that renews points every yr............just go when you want every so often............if money is no object who cares about the savings? Go join exclusiveresorts.com and come to WDW every few yrs.