How hard is it to use your points but not need more than you have? For example, we are thinking seriously about purchasing a small contract, as we are fairly certain we will be at WDW at least one weekend every year, probably in late February. Looking at the points chart, a one-bedroom is about 35 - 45 points per night. So we would need 70 - 90 points. Looking at the resale listings, I have seen mostly multiples of 25, so it seems that we should look for either a 75 or 100 point contract. Am I correct in thinking that if we had 75 points but needed 90, we could borrow from the next year? And what about the next year -- we would be at 60 points; could we borrow 30 points from the year after that? At some point we would run out of points to borrow and would have to make other arrangements for one year (like just pay for a room). And if we had 100 points but only needed 90 -- we would bank the 10 points and use them the next year? But then we would have 20 extra points, and at some point we would have to use those points or lose them? So far, it seems better to own slightly fewer points than you will need in a year, at least in terms of managing points. Or is my thinking flawed?