...Unless, of course, you only travel once a year and it's always in October and you don't use more than the total you have banked. We find that we often have 20-75 points to bank. We know we will be using those prior to the end of the next use year because we never have a stay that is less than those point amounts.
Three things impact us:
* We purchased two contracts. Both had almost all points from the previous year. The number of points we purchased cover the vacations we normally take, so we don't dip into the next UY.
* We travel once per year - usually 2 weeks during the summer.
* We change resorts, and room sizes (mostly 1-BR, though), so the points aren't consistent (or always predictable - depending on availability).
So, yes, that's excatly what happened to us, Diane. We're always traveling on banked points. Unless we do something like a cruise, or Adventures by Disney, we'll continue to have banked points. The other issue, even assuming we were using current UY's points, is that our points never come out exactly even. Even if we end up with 20 points, we'll have to use those the following year by July 31, which forces us to travel in July.
I know most people don't think UY is a big deal, but because it has impacted our travel plans, I mention it for people to consider. We are also unique, because my husband is a teacher. Unless there's a radical change in his schedule (say year-round schooling), we'll be traveling during school breaks/holidays for the next 20 - 30 years. Just wished I had found these boards before I purchased!!!
