Help with Borrowing Points for Future

[boxer]

I've owned DVC for like 15 years, so I'm ashamed to even be asking this, lol. I have never had to borrow before, so I'm a little lost on what this does to my year-to-year point totals:

Here are the basics:

*Own 210 yearly points at OKW, and take our trips yearly in May (use year is August FYI)
*I had to borrow (50) points for larger accomodations this trip, so now I'm down to (150) points for next years trip
*We rent pretty much the same days/room each year---which totals (230) points. I have just bought the extra 20 points from Disney in our previous years trips, to prevent from borrowing

My question is I'm going to need to borrow the (60-80) points next year to book our stay---and then obviously that will keep dragging each year for the foreseeable future, unless we obviously take a year off. I guess I want to make sure that I'm not going to have to miss a year. Additionally, let's say I need to borrow even more points (like I did this year), so I'm worried I will need to 'skip' a year vacation, because of the limits of borrowing? I have also thought about trying to Transfer (100pts) to my DVC account, to put me back even.

I'm open to any and all suggestions. My contract is 2057, so even if I cheat a year out of my contract by continually borrowing, that is not a huge concern. My bigger concern is there will be a year eventually where I can't borrow any additional points for that trip.

Hope this all makes sense, lol.

 

[sndral]

If you keep borrowing an increasing number of points you will eventually reach a point where you’ll need to reset.
As for catching up - you could skip a year or you could take a vacation that uses fewer points for a couple of years - either staying fewer days or reserving a smaller villa.
Have you thought about buying an add on 25 point contract?

 

[Sandisw]

The options are to add on more points, or, as you say, try to transfer in some points thar can cover the trip for the next few years to take you out of borrowing mode.

If it were me, I’d just add on points! If you bought today, you could do a 59 point add on, get Aug 2023 UY points, bank them which would put you back to where you would have been without borrowing.

Then, you’d have 250 every year to ensure you can cover your yearly trips!