how do you keep track of points used/banked and loan money paid?

[imgoingtodisney]

Seems Im always confused when I speak with DVC member services. They show the points used differently than I do. There have been cancellations and rebookings, etc. Points banked, etc.

And how do you keep track of the loan money you paid? We usually send more each month and I just want to be sure they are up to date. I honestly believe our 5yr loan has been reduced already to 2yrs.

 

[AEN]

For points, there is software that people will recommend. I haven't formed an opinion of any.

For keeping track of loan balances, I always find that an Excel style (i.e. spreadsheet) software package is the easiest. I have some set up (I am an accountant), if you need a template.

 

[Chuck S]

There are a couple of good downloadable programs available from other members of these board to help you with your point tracking. Personally, I wrote a very simple spreadsheet in MS Works, it does what I need it to do - but it's nothing fancy. I was off by 10 points with MS, and asked them to send me a point usage report. After reconcilation, I was wrong (forgot to deduct 1 night I added on at the end of a stay).

I would think a spreadsheet of some sort could also help you track your loan payments.

 

[Wes]

For point tracking, here are a couple of old threads that have links to downloadable programs. I use one that I downloaded that is called "DVC Point Manager" and is an executable program, and I have been stisfied with it.

Thread 1
Thread 2

For your loan, an Excel spreadsheet will help. But I found that their accounting was somewhat different than usual mortgage loans. i have used spreadsheets to track several home loans, and I was always able to get them to match down to the penny. But with my DVC loan, my spreadhseet never quite matched their records, though it did give a good approximation. I found that calling them up every 6 months or so to have them send me a printout of their record of the loan and then updating my spreadsheet to the new reality was the best way to do it, but I was never able to match it to the penny. Their record was usually off by a few $ (maybe $3-$5) from my spreadsheet, and I think it was always that they showed that I owed less than the spreadsheet showed.