Help! DH is waivering

[adamandallie]

I have our contract for SSR in hand to be signed. Now DH is not sure he wants to join now. He was willing two weeks ago when the incentives for SSR were annonouced. He thought it was a good deal for price per point (we took the $10 credit) and he liked the idea of having it longer (2054 exp). The December use year also helped to convince him. I will be paying the maintenance fees each month from my own account so they would have no bearing on bills or investing.

He's nervous about spending that much money when we are about to buy a new house (we're moving to NJ in OCT) and have a new baby on the way (our third due in Feb). The thing is that we have money we put aside for DVC now.

Any suggestions on how to push him over the edge?

 

[jel0511]

Unforunately, I don't have any ideas to help you push your DH over the edge. I just wanted to welcome you to NJ and see where you'd be living!!!

 

[adamandallie]

We're moving to Vernon, NJ from central MA. The house isn't completed yet so we have no closing date. We're closing on our house here Sept 15 so hopefully it won't be too long after that we will be moving in there.

 

[jel0511]

Good luck, Vernon is beautiful. DH and I looked at houses up there 6 years ago, but decided to move to the Princeton area, since it was closer to his family in PA.

 

[Lisa F]

Congrats on all of the exciting things happening! The only thing I can tell you to convince him is that if you wait to buy in later, you will regret not buying in sooner. We bought in just over 4 years ago, paid $55/point at BWV (after the $10 MB) and have enjoyed our DVC stays the last 4 years like you wouldn't believe. If we had just now decided to buy in, we'd be seriously kicking ourselves for missing out on the last 4 years of luxury vacations and for paying so much more to buy in. There will never be a "perfect" time to buy in, but we bought in when we first built our house and before having kids (still don't have them) and it's somewhat comforting to know that no matter how crazy and stressed things get (and even without kids, they still have been crazy and stressed as we sold the house and moved 1500 miles away so I could attend grad school) your vacations are taken care of (at least accommodations). Vacations are extremely important to us and we are so glad we bought in when we did. I just wish that we had owned at DVC on our honeymoon, if we took what we paid for the concierge honeymoon room at the GF it would've paid for a third of our DVC!

Lisa

 

[floridafam]

Don't wait!!

We had the same cold feet and cancelled our contract once. Biggest mistake we ever made.

We love our DVC. We don't have any regrets.

Get in on the game before the price goes up and you say to yourselves "what were we thinking?"

If you have the money, do it. Sure, there are other things we could all spend money on but going to Disney brings us a lot of happiness and DVC makes it simple.

You basically pre-pay for your vacations. It's nice not having to worry about getting a big chunk of money together to go on vacation.

Our kids love going to WDW and VB and the memories we have made with DVC makes it all worth it.

 

[JimC]

adamandallie,

First congratulations on the new home and new baby!

In 1992 we first toured DVC. Our girls were 9 and 11 and we were saving to have a house built. We decided not to buy into DVC at that time. Looking back it was simply the dumbest, ultra conservative decision we (I, if my wife were looking over my shoulder right now) could have made. Could we have sat down with the guide and worked through the annual cash flows for DVC, then compared it to our situation and made it work, with the need to save for the house? Yes. Did I want to get that far? No.

Now that decision, alone, was only part of it. We walked past the kiosks for ten years (that is ten trips) until we finally went ahead and purchased.

If you have decided you want to vacation at Disney at least every other year and spend at least as much as moderates cost, then you will most likely save money by becoming members.

You and your DH know your finances and situation. If you think it fits your budget and other short and long term financial goals are not being hindered, then you really should consdier doing it now. These are good incentives and if we were younger we would buy into SSR for the longer term contract.

Best of luck!!

 

[adamandallie]

Thanks for all the advice! I think you're right that there is never an absolute right time to buy. There will always be the "what ifs" (what if we need a new car, what if we lose a job, etc). You can't live your life always assuming the worst is going to happen.

We are going to Disney in Nov and staying at the Ft Wilderness cabins. I wish that trip already happened so it would be fresh in his mind how much fun it is at WDW.

Wish me luck. Hopefully I can repersuade him.

 

[floridafam]

One of the reasons we purchased was the deaths of two of my brothers at very young ages.

One of my brothers died of cancer and talked about everything he didn't do before he died. He wished he had gone more places and seen more things. He said he would have done things so differently.

We thought about how we feel when we are on vacation, how happy our kids look, how my DH acts like a kid playing in the waves at VB and looking at the pictures of our trips over and over again with huge smiles on our faces.

When we were considering DVC I told my DH that I was not going to leave this world without doing things I really want to do and seeing the places I really want to see.

I cried the first time we walked into the MK and looked at my DH and said "I can't believe we are lucky enough to bring our kids here".

Sure, we're young. We have a house payment, car payment, student loans. It didn't break the bank to buy DVC. It's money we would have spent on vacations anyway. We basically bought DVC for what we paid for the 2 vacations previous.

I can't always think of the "what ifs".

I am SO glad we bought DVC-the few trips we have taken so far have given us enough memories to last a lifetime and we get to go back again and again.

We are even thinking about going to Hawaii in 2005 on our points.

 

[WolfpackFan]

Originally posted by adamandallie
Any suggestions on how to push him over the edge?

You know, it's amazing how all of our stories are so similar. I can't believe that it was just 3-4 short months ago that I was so worried about whether or not we were doing the right thing joining DVC. Now since we joined in June, I can't believe that we held out so long in joining. The little bit of money (in the grand scheme of things) that we are spending in joining DVC is insignificant compared to the many years of enjoyment we will be getting from DVC. We already have our DVC trips planned out for the next 3-4 years (not booked but planned) - VWL next year for a week, a short HHI trip the following year and banking the bulk of points, then a stay at the Mauna Lani resort in Hawaii on points the following year, then back to VWL again for an extended stay, etc., etc. We would never have been able to afford these kind of great vacations without joining DVC. Now I can't believe I was even questioning joining and wish I had joined a year ago when we had our first presentation. I know we keep hearing similar stories over and over; but they are true.

 

[Granny]

Originally posted by adamandallie

He's nervous about spending that much money when we are about to buy a new house (we're moving to NJ in OCT) and have a new baby on the way (our third due in Feb). The thing is that we have money we put aside for DVC now.

Any suggestions on how to push him over the edge?

Well, I don't think anyone should be pushed into DVC. It's a big investment, and you both need to think it's a good idea.

However, your children will never cost so little to maintain as they do right now. The money you hve for DVC now might not be there somewhere down the road.

And you would be guaranteeing dream vacations for your children from their earliest memories.

If you can swing it, I'd say go for it. And don't forget that in a few short years, you'll be needing enough points to handle a 2BR!

 

[disny4ever]

Hand your husband a Mickey plush and have him listen to:

"It's a Small World After All" until he gives in....lol. I hope you make a decision you can both live with, but if you do buy....
the 1st time you walk into your room, you will know you made the right decision. Good luck !!!!

 

[Dean]

Originally posted by adamandallie
I have our contract for SSR in hand to be signed. Now DH is not sure he wants to join now. He was willing two weeks ago when the incentives for SSR were annonouced. He thought it was a good deal for price per point (we took the $10 credit) and he liked the idea of having it longer (2054 exp). The December use year also helped to convince him. I will be paying the maintenance fees each month from my own account so they would have no bearing on bills or investing.

He's nervous about spending that much money when we are about to buy a new house (we're moving to NJ in OCT) and have a new baby on the way (our third due in Feb). The thing is that we have money we put aside for DVC now.

Any suggestions on how to push him over the edge?

I'm sure you're going to miss him but I'm sure DVC will ease the pain of leaving him. LOL.

 

[ncligs]

If all the above posts fail try this...............

 

[msdis]

Dean-roflol My DH knows if I had to choose.............


As long as you don't think the financial burden will be there, the bills will come and go but you will never be able to get back the years with your children and the memories it will have created.

Sending pixie dust your way

 

[timC]

How about this.

- Talk through the finances one more time, and highlight why you both agree this is a smart idea for you.

- With that fresh in his mind, pop the DVC sales video into the VCR. That one gets me every time. I've had to put that one under lock and key. It costs me a fortune every time I watch the darn thing!

 

[BriarRose59]

The only way I got my DH to agree to the purchase we made at SSR last week was that in 3 UY's we will re-evaluate the plan and see if it is working for us. If it is not, we will post the points for sale. That way I assured him we would not lose much if any money, since we will be getting 3 years of vacations out of it, at WDW or somewhere else. He is not as big a Disney fan as my DDs and I. My DDs are 12 and 16 and still enjoy visiting the World! I looked at this as an investment in vacations for them also, with the new 50 year plan. But then again, I will only be 94 when this expires. I might still be dancing with Mickey at Chef Mickeys!!

 

[KLR-wlv]

MY DH was very reluctant - luckily all major decisions I have pushed him on (getting married, buying a house, having children) have turned out ok! We went to HH on a deal to sit thru the presentation - and the next day I dragged him in to sign before he had time to really think about it. I know this technique is probably not good for everyone - but 2.5 years later he is finally a disney convert (I think the cruise pushed him over the edge...). It has been great and the price is now $18 more a point to buy in. No regrets whatsoever and our 5 and 7 yo have had teh best family vacations of anyone we know. Good luck!