Stuck with unused small amounts of points

Usually we go enough that we are straddling our use years every so slightly and pulling from our last + current.

This year I goofed and forgot to bank last years points to this year. (OOPS!). I realized it a month late.

SSSSSOOOOO.... We are taking an emergency trip to WDW! We go in November - about 10 days before our UY ends.
Hey - don't judge. Every excuse is a good excuse to go.
 
We have never ended up in that situation. Banking has prevented that when we have just a couple left. We are generally though borrowing and wishing we had more points.
 
Members since 2005. 200 points at SSR. 50 points at AKV. We have never had left over points but we go every year and also use our points for VB each year. We have never borrowed but have used OTU points just once.
 













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