We take a trip typically in June and one in December. Originally, it was once a year in March. As a result, all of our points are in the February use year. Not ideal for a December trip, but the June trips work out just fine. I just can't bring myself to adding the complexity of two use years, the inability to combine points, and the need to remember banking deadlines and what reservations were made with what combination of contracts. Understand that others don't mind it, (and some may relish it), and that's totally cool, but it's just part of my "mantra" of "no walking, no stalking, no waitlisting".