How much did you spend on your dvc membership

[Dobermanns]

More than my first house but less than a vacation home in Orlando. : )

LOL that puts it in perspective. I didn’t buy my first home in So Cal until 2002. So DVC purchase was still way less than the house

 

[tx911]

More than my first house but less than a vacation home in Orlando. : )

Hmmm, now you’ve got me thinking I’ve got a ways to go! My DVC to first house ratio is too low!

 

[VGCgroupie]

Hmmm, now you’ve got me thinking I’ve got a ways to go! My DVC to first house ratio is too low!

I like to think I am not that old. We haven't bought our 4th contract yet (which we plan on doing) and we have already spent more than my 1st house. Granted I owned my 1st home at 18 an it was a condo not a single family, but still kind of puts things into perspective.

 

[tx911]

I like to think I am not that old. We haven't bought our 4th contract yet (which we plan on doing) and we have already spent more than my 1st house. Granted I owned my 1st home at 18 an it was a condo not a single family, but still kind of puts things into perspective.

I bought my first house a looooooooong time ago, so that is definitely a factor I'm sure

 

[tx911]

I bought my first house a looooooooong time ago, so that is definitely a factor I'm sure

I just realized this post makes no sense. Just ignore me

 

[VGCgroupie]

I bought my first house a looooooooong time ago, so that is definitely a factor I'm sure

For me it was 1998. Wonder how much it is worth now

 

[tx911]

For me it was 1998. Wonder how much it is worth now

More than your DVC contracts

 

[MyDogTink]

June 1998 BWV 150 points (Direct) at $63.33= $9,500

July 2000 BWV 25 points (Direct) at $68pp = $1,700

May 2023 BLT 210 points (Resale) at $143pp = $30,030

May 2023 VGF 150 points (Direct) at $180pp = $27,000 (inclusive of MB rebate and Welcome Home credit)

June 2023 BLT 160 points (Resale) at $140pp = $22,400

July 2023 VGF 150 points (Direct) at $161pp = $24,150 (inclusive of MB rebate and Welcome Home credit)

** BWV contracts are old so I don't think that includes closing costs. Newer contracts don't include closing costs.

Total = $114,780 for 845 points

Makes me question my personal fiscal responsibility. Who do I think I am thinking of adding Poly points?!

 

[tx911]

June 1998 BWV 150 points (Direct) at $63.33= $9,500

July 2000 BWV 25 points (Direct) at $68pp = $1,700

May 2023 BLT 210 points (Resale) at $143pp = $30,030

May 2023 VGF 150 points (Direct) at $180pp = $27,000 (inclusive of MB rebate and Welcome Home credit)

June 2023 BLT 160 points (Resale) at $140pp = $22,400

July 2023 VGF 150 points (Direct) at $161pp = $24,150 (inclusive of MB rebate and Welcome Home credit)

** BWV contracts are old so I don't think that includes closing costs. Newer contracts don't include closing costs.

Total = $114,780 for 845 points

Makes me question my personal fiscal responsibility. Who do I think I am thinking of adding Poly points?!

Quite the difference between 1998 and 2023! If only I could go back in time....

 

[EPCOT Terran]

Quite the difference between 1998 and 2023! If only I could go back in time....

I think a lot of things are like this, particularly real-estate-y type things. There's no reason to let a lower price in the past prevent you from making the right move today. If buying DVC makes sense, then it makes sense regardless of whether it made even more sense 20 years ago. When BCV and BWV are expiring, there will be people posting on this board about what they picked them up for resale in 2024 and there will be people kicking themselves for being too worried about the expiration when they could have been enjoying the resorts for 18 years.

I remember when my wife and I bought our first house and then when we traded up as kids came along. Both houses felt like they were at the edge of our affordability range and we worried about emergencies. Fast forward, and our current house feels like a steal (and the rate we refinanced at back then even more so) and our emergency fund takes a good bit of the anxiety about other things out of the picture. I would definitely be kicking myself today if we had settled on something smaller at the time, either because we were worried about the expense at the time or because we were thinking about how much more expensive houses were than when we were kids.

I think you definitely need to consider your financial position, how well your finances will weather emergencies, and whether you really like Disney and the bubble that much. If those all check out, there's no need to kick yourself about not getting in earlier. Get in now and enjoy it.

Of course, I could be wrong and the entire timeshare aspect of DVC comes crumbling down and we'll all be kicking ourselves. I'm not betting on that, though.

ETA: The "You" here is the generic you, not tx911 specifically. From what I can tell, tx911 is not too worried about buying DVC.

 

[MerlinandtheMouse]

June 1998 BWV 150 points (Direct) at $63.33= $9,500

July 2000 BWV 25 points (Direct) at $68pp = $1,700

May 2023 BLT 210 points (Resale) at $143pp = $30,030

May 2023 VGF 150 points (Direct) at $180pp = $27,000 (inclusive of MB rebate and Welcome Home credit)

June 2023 BLT 160 points (Resale) at $140pp = $22,400

July 2023 VGF 150 points (Direct) at $161pp = $24,150 (inclusive of MB rebate and Welcome Home credit)

** BWV contracts are old so I don't think that includes closing costs. Newer contracts don't include closing costs.

Total = $114,780 for 845 points

Makes me question my personal fiscal responsibility. Who do I think I am thinking of adding Poly points?!

You were satisfied with 175 points for 23 years and then just this past year decided to add 670 points?? Hahaha it’s like all your pent up restraint finally peaked and you’re making up for lost time

 

[mikeuno]

Dec 1995 OKW 210 points (Direct) @ $48/pt = $10,080
Dec 1995 HHI 50 points (Direct) @ $63/pt = $3,150

Total = ~ $13,200

 

[Sprinkles&Sprints]

You were satisfied with 175 points for 23 years and then just this past year decided to add 670 points?? Hahaha it’s like all your pent up restraint finally peaked and you’re making up for lost time

I had the same thought!

 

[MyDogTink]

You were satisfied with 175 points for 23 years and then just this past year decided to add 670 points?? Hahaha it’s like all your pent up restraint finally peaked and you’re making up for lost time

My story is that I bought BWV with my dad in 1997. He was a numbers person and did napkin math. He convinced me that it was a good investment for my age. He and my mom did some trips. We lost him on 9/11. After that it was too hard to go and the family started cruising. I wanted to sell the contracts but because the way DVC titled the deed I would have had to go through FL probate. My (now) husband and I would use the points for the concierge collection in Lake George. I rented some years and stupidly during the pandemic just lost points.

I had my daughter at a later age. We stayed at BLT last year and became addicted. We’ve been there 5 times and I realize this is the only vacation place we want for now.

I regret not buying points or a beach house during the pandemic. Missed the boat on that one and missed the boat on buying peloton and Mattel stock then.

 

[PrincessGidget]

My story is that I bought BWV with my dad in 1997. He was a numbers person and did napkin math. He convinced me that it was a good investment for my age. He and my mom did some trips. We lost him on 9/11. After that it was too hard to go and the family started cruising. I wanted to sell the contracts but because the way DVC titled the deed I would have had to go through FL probate. My (now) husband and I would use the points for the concierge collection in Lake George. I rented some years and stupidly during the pandemic just lost points.

I had my daughter at a later age. We stayed at BLT last year and became addicted. We’ve been there 5 times and I realize this is the only vacation place we want for now.

I regret not buying points or a beach house during the pandemic. Missed the boat on that one and missed the boat on buying peloton and Mattel stock then.

So sorry for your 9/11 loss. We lost family and friends too. Sometimes it feels like it was just yesterday.

 

[MerlinandtheMouse]

My story is that I bought BWV with my dad in 1997. He was a numbers person and did napkin math. He convinced me that it was a good investment for my age. He and my mom did some trips. We lost him on 9/11. After that it was too hard to go and the family started cruising. I wanted to sell the contracts but because the way DVC titled the deed I would have had to go through FL probate. My (now) husband and I would use the points for the concierge collection in Lake George. I rented some years and stupidly during the pandemic just lost points.

I had my daughter at a later age. We stayed at BLT last year and became addicted. We’ve been there 5 times and I realize this is the only vacation place we want for now.

I regret not buying points or a beach house during the pandemic. Missed the boat on that one and missed the boat on buying peloton and Mattel stock then.

That must have been so difficult, I’m sorry to hear that. But I’m glad there’s a bit of a full circle moment for you all and you can make even more amazing memories with your daughter now.

 

[MyDogTink]

So sorry for your 9/11 loss. We lost family and friends too. Sometimes it feels like it was just yesterday.

I will say prayerers and keep you friends and family in my thoughts when I pass the reflecting pools at the memorial. I pass by a couple of times a week depending on my commute. The day definitely changed so much for so many of us.

 

[MyDogTink]

That must have been so difficult, I’m sorry to hear that. But I’m glad there’s a bit of a full circle moment for you all and you can make even more amazing memories with your daughter now.

Thank you. At least Disney can bring some joy for all of us. It’s nice to visit these boards.

 

[ehh]

2016 Poly direct 220 points for $155.45/pt
2019 Riviera direct 80 points for $188/pt
2019 Poly resale 200 points for $137/pt
2019 VGC resale 240 points for $167/pt
2019 VGC resale 100 points for $185/pt
2021 OTUP 20 points for $19/pt
2022 Riviera direct 200 points for $176/pt
2023 Riviera direct 150 points for $210/pt
2023 VDH direct 175 points for $209/pt
2023 VGF direct 150 points for $207/pt
2024 BCV resale 150 points for $125/pt

Not counting closing costs, MF due at closing, or Magical Beginnings.

Have also paid $40,749 in dues (including those due at closing for resale).

 

[intamin]

Ignorance is bliss for me when it comes to our DVC points but rough estimate says a little over 100k for all 660 of our points . When buying I just ignore previous purchases and make impulsive decisions