Help needed in deciding

[ToddyLu]

DH and I purchased 210 points direct from Disney and FINANCED in 2009. So yeh, we are in THAT group.

Does it bother me to pay the monthly note or MFs? Nope. Do I miss staying at the Values (like we used to every trip)? Hell no.

Do I enjoy pulling up to the Deluxe resort of my dreams in my happy place? Yes oh yes.

In fact it is so enjoyable DH and I are slowly turning into two-trips-a-year-people.

It works for us. But that said I would have probably checked more into resale and thought more about UY---was just learning about it.

DH and I don't own a boat, hunt, fish, go to the beach or mountains, etc. So this was our early and mid 40 splurge.

 

[sweetdana]

You will not save $$ from a value. You will get a better resort.

Recommend
1) start smaller than you need. You can always rent/transfer/buy more points much harder to go bigger.
2) If your looking for cost savings over a value go with SSR or OKW resale. It will get you a taste of DVC, diff resorts, and it is the most economical option. Buy where you want to stay will likely put costs on par with a high mod or low del. not a value. If the goal is cost savings n being DVC, start less.

3) Do not finance the $$. For 2 reasons.. 1 it is a terrible idea to finance a lux purchase, and not just pay for it on an as needed bases... IE paying interest today for a vacation you are not taking for 5 yrs. and 2 The full time 2nd income sounds new, make sure your only attachment would be MF, they are a lot on their own. To have a "2nd mortg/2nd home" monthly fee if something changes would make you enjoy it less.

GL best decision me n DH made, but read bunches of stuff n did not jump the gun.