My Only Outlet

[Don'tYouKnowNothing?]

I don't really have anyone to talk to seriously about this...but I had to put up my DVC points for sale. I lost my job last summer and now have a job where I make less than half of my former salary. I have been looking to improve my situation, and I have held onto hope that something would break for me.

I think that has come to the end, though. I got an e-mail yesterday that I didn't get a better job that I had interviewed for, and really thought that I would get it. So, I think now I have to come to the reality that I will not get a better job anytime soon. If I want to have any chance to stay in my house, I have to start selling things, which include my DVC points.

I'm pretty sad about that. Like most of you all, I am a Disney fanatic. My family started going to Disneyland, and then when we got DVC points, went to Disney World last summer. It really was everything that I had hoped for...while not perfect, it definitely was magically, and the best vacation I have ever had.

So that's it, I just wanted to get it off my chest and talk to people who could really relate. I know things could be worse, but it just really stinks that all my hopes and dreams seem to be out the window. Right now, it's just a dark time, I guess.

 

[bobbiwoz]

I'm sorry to read about your situation.

 

[Tea4Alice]

I'm so sorry too, were new to dvc and disboard.

 

[photobob]

Sorry for your situation, hope things bounce back for. I came close to having to sell this past summer and then things fortunately picked up. If you must sell, do so, you can always re-buy in the future. All the best..

 

[dgaston]

Would renting your points help at all?

 

[ChiSoxKeith]

Sorry for your job loss. Keep your chin up, you can always buy back when your situation improves.

 

[jekjones1558]

I am so sorry. I hope that you will soon see things turn around.

 

[sajetto]

I'm very sorry. I agree with the other poster (It may be worthwhile to see if you could rent your points out)

 

[Sammie]

Just try to remember as long as you have your health, the other things will come back to you in time.

While going to Disney World is fun, it is not going anywhere and when you are back on your feet financially it will still be there.

And there are definitely less expensive ways to do Disney than DVC.

Also look into exploring your neighborhood and find things to do that are free.

Good luck and prayers are with you.

 

[Don'tYouKnowNothing?]

Renting seems like a good idea. I'll keep that in mind.

 

[MinnieGi]

SO so sorry you have had to sell your points. Hoping things rebound for you soon and you are back up on a good financial setting and then can think about buying some points back or renting some for a well deserved vacation!!

 

[nickspace]

So sorry to hear about your situation. We really do not appreciate what we have sometimes and I am guilty of that. I hope that you will be able to get a better job so you can keep your points.

I ran into a situation a few years back when it seemed like nothing was working out in my job search. I already had a position so I wasn't as motivated as I needed to be. It wasn't until I really applied myself that the offers started to come. I made sure that my portfolio was exceptional and then just flooded the market and then things began to happen. Prayer was important too, very important. I went from frustration to having 4 written offers to choose from.

Don't get comfortable in your current position.

I hope this encourages you in your search and that you will be able to keep your points.

 

[Mississippian]

I don't really have anyone to talk to seriously about this...but I had to put up my DVC points for sale. I lost my job last summer and now have a job where I make less than half of my former salary. I have been looking to improve my situation, and I have held onto hope that something would break for me.

I think that has come to the end, though. I got an e-mail yesterday that I didn't get a better job that I had interviewed for, and really thought that I would get it. So, I think now I have to come to the reality that I will not get a better job anytime soon. If I want to have any chance to stay in my house, I have to start selling things, which include my DVC points.

I'm pretty sad about that. Like most of you all, I am a Disney fanatic. My family started going to Disneyland, and then when we got DVC points, went to Disney World last summer. It really was everything that I had hoped for...while not perfect, it definitely was magically, and the best vacation I have ever had.

So that's it, I just wanted to get it off my chest and talk to people who could really relate. I know things could be worse, but it just really stinks that all my hopes and dreams seem to be out the window. Right now, it's just a dark time, I guess.

My wife and I sold both our 50 and 150 point BWV contracts about two years ago because money was tight. We were fortunate in that we missed the drop in prices to some extent, as they are lower today.

Disney vacations are a luxury you can't afford right now. It's not the end of the world. If times get better you can buy back in. If I stumble on a little extra money in a few months, I may try to buy a small Vero or BWV contract just to be in the system so I can get point transfers, AP discounts and so forth. But if I don't, I know I can rent points and enjoy a great deal. Chances are, quite honestly, that I don't need to be spending money on a Disney vacation this year!

Don't hesitate to talk to a bankruptcy attorney NOW! Too many people borrow against their home to pay debt, then borrow from their retirement to pay debt, then finally declare bankruptcy. Of course, the home and the retirement would have been exempt and protected in a bankruptcy.

Good luck to you in these tough times. There are a lot of us struggling right along with you.

 

[Disneypapa]

Sorry to read about your job situation. You are not alone. My daughter lost her job this week (six years in banking). It is not your fault and nothing to be ashame about. God has a better plan for you. God bless.

 

[aes74]

Great ideas on this post so far. OP, this was our situation two years ago, and I think I even posted a thread on it. A lot of tears were shed and it was a discouraging time.

Remember that all will be well, and keep things in perspective. Try to rent out your points and use that money to pay your annual fees, if possible. Otherwise, remember you can always buy back in as soon as you are back on your feet.

Best of luck. Don't give up hope. And keep those prayers going--they work.

 

[Mom B]

Sorry things aren't working out for you right now. But as others have said, even if you do sell, it's not "final," you can always buy back in at a later date. What is meant to be, will be. Best wishes!

 

[buzz5985]

Just try to remember as long as you have your health, the other things will come back to you in time.

So very true. Best of luck to you in whatever your decision is.

Janis

 

[DVC SSR Owner]

I feel your pain. I voluntarily left a decent job to get my doctorate degree. I graduated in December but have been searching for a while now. Have not gotten any offers after my interviews. Now looking at low paying jobs too. Don't qualify for unemployment since I left last job on my own. Luckily, my husband has a good job and we have a good savings, but it is still disheartening. Hang in there! Best wishes! The job market has to get better eventually!

 

[Fatalbie]

An unfortunate reality in the work world. Wishing you well in the coming months. Things will come around in the job market.
Jim

 

[gtrist4life]

Hang in there. We had our contract on the market after I lost my job early last year. Kept it for sale after I took a new position in August at a big chunk less than what I was making (But much happier, less stress, and zero travel). Redid the budget for 2011 and we're in a better position so we took our contract off the market.
Peace