KOTW Poll - Are you a borrower or banker

[goofydiz]

I have zero points left in 2008. And I have 121 left in 2009. But I took 1 trip already and have 2 planned.....so I guess that's not too bad. My problem is I always need to stay the Friday & Saturday nights. It'll be that way for the next 3 years while my DD is still in school. After that I should be able to do just weekdays.

 

[PrettyKitties]

I have 50 points for this use year - but I have to give them to my sister because she lent me 100 points so I could go to the Grand Wailea in Maui. So, in the 2009 use year, I will have to give her another 50 points. Still, the Grand Wailea was so worth it! I'll probably end up renting my other points in 2009 since I don't plan on anything that year.

 

[dolphingirl47]

After we booked our vacation for September we had 10 points left. So I had a decision to make: we could either add on a night either end (both weekend nights) and borrow 10 points or we could bank the 10 points and have an additional weekday night next year. For some reason I do not want to borrow, so I banked them and we will have the extra night next year.

dolphingirl47

 

[christianweecare]

We have 26 points left of our 2008-2009 use year. Those 26 points will be used towards our 50 point stay at Vero Beach next May 2009. I guess we fit into the borrower category. Our 2007-2008 points went to our 2008 trips.

 

[JimC]

Banked, borrowed and neither depending on the contract at the moment, but will probably be only borrowed and neither by year-end.

 

[bwvBound]

We've always banked - and have 241 banked into next year - but may have to borrow just a smidge this year. We had 110 points go into holding earlier this year and have managed to use all but the last 8. We'll either let the 8 expire (Sept 30th) ... or follow a whim to use them by adding them to borrowed points.

 

[eporter66]

Our first year we banked points, as we stayed in a studio our first time. Every year since we have borrowed as we now like the 1 Bedroom Villa's. Also, we sent my parents down for their anniversary, so we borrowed for that. This year, we wanted a two bedroom as we will actually have family vacationing with us.

We have 150 pts, and it has worked very well for us. I may become a banker (as discussed in another thread), because if gas prices continue, plane fare will be so expensive that we may only hit WDW every other year!

 

[DisDaydreamer]

Currently 71 banked. We'll use some of them up in June, but we'll have to find some way to use the rest.

 

[chatchdvc]

I voted both.
Banked some 08 points, then needed to borrow when plans changed.
All 2009 (April UY) are gone, but 21 points banked from 2008. There will be much borrowing for next year's trips, and probably an add-on.
Thank God for spreadsheets, or I'd get a bit confused!

 

[ead79]

Right now I don't have any banked or borrowed. As soon as I can bank my 2008 points in June, I think I have 17 to bank.

 

[abbysmema]

I borrowed pts. for a July vacation which I canceled and now need to use before my use year ends in March. We are hoping for a January vacation but if not maybe something in the fall. Either way I'll probably need my 2010 pts. for next summer's vacation. I just wish CRV would open -- I need more points. Marie

 

[JoeEpcotRocks]

Borrowing!

Big 10-night trip in June 08.

 

[ChelleinNC]

There wasn't a banked "all" option so I had to go with "some"

We bought in with double dev points , we immediately banked all of our 07 pts. So after a 1BR December trip for us, plus a studio for my Dad, our 2BR June trip we will finally kill off the dev points Then we still have our 250 07 points to use before Feb and bank our 08 points

 

[MrsNick]

Banked some Aug. 2007 into Aug. 2008 (with great restraint, I might add!).

Banked a bunch of Aug. 2006 into Aug. 2007, and then needed to borrow a few back into 2006 UY.

Starting to get real spoiled by the 1BR which may start killing off our points sooner!

Luckily, DH just told me to add on another 50 pts. at VB I'm just waiting for a few financial items to clear before committing to it. Should be able to buy them right in time for our 5 Year Wedding Anniversary. I love that man!

 

[GGOOFY1]

We have done both banked and borrowed. But this year we have a GV for a week at OKW and I had to borrow. So I think for a couple of years, I will be a borrower!!

 

[dgaston]

No developer points worries here! I borrowed points from April 08 for our President's week OKW stay, have July planned and needed 1 point from April 2009 for our BVW F & W stay in October. We are flying down for the shuttle launch scheduled for May 31 tink: everyone keep their fingers crossed that doesn't change), but are staying in a small Cocoa Beach condo. My big plot is trying to convince DH to visit F & G on Sunday. Mwaaa--ha--ha. He'll be putty in my hands if the shuttle launches!

Now returning to the thread, I get off-topic so fast!

 

[bobbiwoz]

We've borrowed about 150 points from next year, and have about 39 current UY AKV points. I have offered to try to get a studio for another DCuz during our November trip, and if she goes, they'll be used, (and more will be borrowed), and if not, they'll be banked. I asked her to let me know by the end of April.

Bobbi

 

[jimmytammy]

Typically, we bank pts, but when we have borrowed, its usually just a few pts.

 

[Laurabearz]

We own 1000 points and borrow each and everyone one of them