Is DVC really a good deal for the consumer?

[disneycrazed139]

I thought about this a lot before I decided to buy. What pushed me over the edge was an analysis of my last year's hotel expenses, which came to about 1700 (2 Disney trips and non-Disney trips included). This was for room only expenses.

With 150 points and if financing I am paying just about 1700 plus dues--so the dues make the total cost a little higher than my usual vacation costs for the period of time that I am paying off the loan--about $500 more per year.

However, for this $500/year extra in dues I now have an ownership interest, which will last the rest of my life and probably the rest of my son's life as well.

You could definitely save money by staying in a value resort or staying in a moderate resort less frequently. If you always go to deluxe resorts you will be saving money immediately. If you were mostly a moderate resort person, it will take longer to break even (my scenario). If you are used to value resorts and don't want to spend more, I'd think DVC wouldn't be such a good idea.

I know I am going to spend the money anyway, so that is how I finally justified buying in.

The committment of it scares me a little, but the reality is you can probably sell your ownership any time. (and without having to have a yard sale!)