Specific Use Year Borrowing Question

[emchen]

Calling our Use Year Gurus.

Situation: I have a DEC UY for this specific reservation in 2024. I want to reserve two nights in a 3-BR in Sept and have zero 2023 points to bank and 16 2024 points. I have all 2025 points (enough to book the room). My understanding is that if I borrow from 2025, my use by date is 11/30/2025 (in the event I have to cancel the reservation )?

 

[eticketplease]

Correct the borrowed 2025 points would come to 2024 but must be used by 11/30/25.
Just like banking, borrowing is also a final transaction.

 

[CarolynFH]

Yep, borrowing points into your December 2024 UY would make them usable from December 1, 2024, through the night of November 30, 2025.

 

[emchen]

Yep, borrowing points into your December 2024 UY would make them usable from December 1, 2024, through the night of November 30, 2025.

Would I not be able to use them for Sept 2024?

 

[sndral]

Would I not be able to use them for Sept 2024?

Correct. Dec. use years are tough to wrap your head around:
2022 points can be used for trips from 12/1/22 - 11/30/23 or banked into 2023 use year
2023 points can be used for trips from 12/1/23 - 11/30/24*
2024 points can be used for trips from 12/1/24 - 11/30/25 or borrowed into 2023 use year
* Your 9/2024 trip falls into your 2023 use year, so you can use:
2022 banked points 0 (I assume - must have been banked by 7/31/23)
2023 current points 0
2024 points available to borrow 16

Calling our Use Year Gurus.

Situation: I have a DEC UY for this specific reservation in 2024. I want to reserve two nights in a 3-BR in Sept and have zero 2023 points to bank and 16 2024 points. I have all 2025 points (enough to book the room). My understanding is that if I borrow from 2025, my use by date is 11/30/2025 (in the event I have to cancel the reservation )?

Your 2025 points are good for trips occurring from 12/1/2025 - 11/30/2026.
You can borrow those ‘25 points into your 2024 use year for trips from 12/1/2024 - 11/30/25, but they cannot be used for your planned 9/2024 trip because that trip is in your 2023 use year.

 

[Sandisw]

A Sept 2024 trip is in your 2023 UY, so you can book it using banked 2022, 2023, and borrow 2024 points.

Always start with the UY of the trip and forget calendar year. So, your 2025 points can not be used for a Sept 2024 trip.

 

[CarolynFH]

Would I not be able to use them for Sept 2024?

Sorry, as above, no you couldn’t. And I apologize for not reading your post carefully and realizing you were asking about a trip in September 2024.

We have a September UY, so similarly easy to get confused, and we literally began borrowing as soon as we bought. I couldn’t manage our points without my spreadsheet, which is very simple. The first column is the date something happens, the second column is the event, the third column is Points Added, and the fourth is Points Used. Then I have a column for Bank From and Bank To (which I've hardly ever used, lol) and finally the Balance column, where I have a formula set up to do the arithmetic for me. The point is that because it's chronological, I can easily see which UY a given trip falls into, so I know whether I have enough points via banking/borrowing to make it happen. I'm lucky that we only have 2 contracts, same UY, same resort, so they function as if they were one pool of points! Anyway, something like that might help you too.

September 1, 2023	New UY	300
Jan. 21-28, 2024	BWV 1BR BW View		213

 

[emchen]

Correct. Dec. use years are tough to wrap your head around:
2022 points can be used for trips from 12/1/22 - 11/30/23 or banked into 2023 use year
2023 points can be used for trips from 12/1/23 - 11/30/24*
2024 points can be used for trips from 12/1/24 - 11/30/25 or borrowed into 2023 use year
* Your 9/2024 trip falls into your 2023 use year, so you can use:
2022 banked points 0 (I assume - must have been banked by 7/31/23)
2023 current points 0
2024 points available to borrow 16

Your 2025 points are good for trips occurring from 12/1/2025 - 11/30/2026.
You can borrow those ‘25 points into your 2024 use year for trips from 12/1/2024 - 11/30/25, but they cannot be used for your planned 9/2024 trip because that trip is in your 2023 use year.

This is a great summary, and you're right, hard to wrap my head around it. I just never had to consider it before because these are my WDW points and were not accustomed to using them in September before.

A Sept 2024 trip is in your 2023 UY, so you can book it using banked 2022, 2023, and borrow 2024 points.

Always start with the UY of the trip and forget calendar year. So, your 2025 points can not be used for a Sept 2024 trip.

I see what you mean.

Sorry, as above, no you couldn’t. And I apologize for not reading your post carefully and realizing you were asking about a trip in September 2024.

We have a September UY, so similarly easy to get confused, and we literally began borrowing as soon as we bought. I couldn’t manage our points without my spreadsheet, which is very simple. The first column is the date something happens, the second column is the event, the third column is Points Added, and the fourth is Points Used. Then I have a column for Bank From and Bank To (which I've hardly ever used, lol) and finally the Balance column, where I have a formula set up to do the arithmetic for me. The point is that because it's chronological, I can easily see which UY a given trip falls into, so I know whether I have enough points via banking/borrowing to make it happen. I'm lucky that we only have 2 contracts, same UY, same resort, so they function as if they were one pool of points! Anyway, something like that might help you too.

September 1, 2023	New UY	300
Jan. 21-28, 2024	BWV 1BR BW View		213

I will definitely start this since I happen to enjoy spreadsheeting too!

Thank you UY gurus!