Hello all!
I first learned about DVC about about 10 years ago through one of their tours after signing up in then Downtown Disney. Instantly fell in love but being in college, I couldn't afford it. Fast forward ten years later, I just bought a house, and I still can't afford it! Seems like there will never be a good time (financially) to get it, but I am highly considering it. I am going to be taking a trip to Celebrate my 30th the 2nd week in December, and it makes the most sense to me, to put the money from the trip towards the DVC and start using my points now.
I could only afford (sort of - depleting my bank account nearly completely) 50 points now, and after much thought, consideration, and investigation, want to buy direct (with hopes of getting to 75 points within the next few years)
I am struggling to try to figure out which resort. Initially I was attracted to Vero beach for the low cost per point, $110 and be able to buy in @ 5500. That sounded great until I did further research and calculated the true cost per point and factored in the annual dues. Long story short, I am stuck on Animal Kingdom Lodge, Old Key West, and Saratoga.
Strictly financially speaking, it seems like Saratoga is the best valued DVC resort you can buy, based on years remaining, cost per point, and annual dues. They are at $160 a point currently while Old Key west is a little less @ $155 and has an additional 3 years on the contract.
However, my favorite resort has always been AKL, which is up to $176 per point and has a slightly higher annual due as well.
I am just trying to figure my best option out there and would love to hear from you guys. How much issues have you faced when trying to book 7 months out at a resort different from your home resort? Will it make a huge difference and better off spending a little more to get my favorite resort, or will it not really matter most times at 7 months out and be able to get in anywhere most likely?
Also, back to financially, is it not a smart move to lose all my cushion money, in case anything goes wrong (medical, car goes, etc)? It would be a roughly initial few months, but hopefully early next year, I would be able to start accruing more money to be set again.
But at the same time, is it dumb NOT to get DVC now, since I'd spend X amount on a resort anyway in December?
Any insight is greatly appreciated!
I first learned about DVC about about 10 years ago through one of their tours after signing up in then Downtown Disney. Instantly fell in love but being in college, I couldn't afford it. Fast forward ten years later, I just bought a house, and I still can't afford it! Seems like there will never be a good time (financially) to get it, but I am highly considering it. I am going to be taking a trip to Celebrate my 30th the 2nd week in December, and it makes the most sense to me, to put the money from the trip towards the DVC and start using my points now.
I could only afford (sort of - depleting my bank account nearly completely) 50 points now, and after much thought, consideration, and investigation, want to buy direct (with hopes of getting to 75 points within the next few years)
I am struggling to try to figure out which resort. Initially I was attracted to Vero beach for the low cost per point, $110 and be able to buy in @ 5500. That sounded great until I did further research and calculated the true cost per point and factored in the annual dues. Long story short, I am stuck on Animal Kingdom Lodge, Old Key West, and Saratoga.
Strictly financially speaking, it seems like Saratoga is the best valued DVC resort you can buy, based on years remaining, cost per point, and annual dues. They are at $160 a point currently while Old Key west is a little less @ $155 and has an additional 3 years on the contract.
However, my favorite resort has always been AKL, which is up to $176 per point and has a slightly higher annual due as well.
I am just trying to figure my best option out there and would love to hear from you guys. How much issues have you faced when trying to book 7 months out at a resort different from your home resort? Will it make a huge difference and better off spending a little more to get my favorite resort, or will it not really matter most times at 7 months out and be able to get in anywhere most likely?
Also, back to financially, is it not a smart move to lose all my cushion money, in case anything goes wrong (medical, car goes, etc)? It would be a roughly initial few months, but hopefully early next year, I would be able to start accruing more money to be set again.
But at the same time, is it dumb NOT to get DVC now, since I'd spend X amount on a resort anyway in December?
Any insight is greatly appreciated!