What is your dues threshold?

[Chili327]

Curious...most dues are in the single or low double digits currently. Do you have a personal dues threshold that will make you want to tap out and sell your contract after the annual fees rise to XX/pt?

Have you thought about a limit on how much you want to spend per year after all the initial buy in costs?

As long as the dues are lower than rack rate, that’s all that matters financially… unless unforeseen hardships or other factors come into play. I’m all in for the long haul, no set amount. Just trying to stay in the lower half of the dues list. lol

 

[VGCgroupie]

I've been checking it a lot less than typical, that's for sure . But I can't resist these few quiet moments at the beginning and end of the day when the kids are asleep.

I got my closing docs to sign and was on the boards while sitting on the beach at Aulani. Magical!

 

[MartyParty]

My mental threshold is $5k/year for all contracts in today’s dollars and we assume that goes up each year. Right now we are at 2.8k and looking to add which will bring us to $4k next year. I suspect I’ll have to adjust my mentality in the future lol, but $5k feels like a reasonable number for what we want to do right now. When our house is paid off in 2 years then all bets are off!

I’m in your camp. $5k per year in dues for about 600 points. Just reached 600 in the last few years with a couple of add ons. This gets us 2 bedroom every year and some studio stays. 3 bedrooms every few years.

But we don’t want all our travel and budget limited to Disney. Our other dollars go elsewhere.

 

[Chili327]

I’m in your camp. $5k per year in dues for about 600 points. Just reached 600 in the last few years with a couple of add ons. This gets us 2 bedroom every year and some studio stays. 3 bedrooms every few years.

But we don’t want all our travel and budget limited to Disney. Our other dollars go elsewhere.

Do you rent out points at all?

 

[MartyParty]

Do you rent out points at all?

Short answer:

'no'

Longer answer:

• Last time we rented out points was circa 2018.
• But at that time, we had about 200 points not 600.
• Now that we're at the 600 level (with earliest expiration 2057) I think we'll rent out in the future.
• For clarification, I'm over the moon being at 600 and now able to book bedrooms regularly with TPV or Ocean even if needing to occasionally rent out.

I don't see us needing to rent out till 2028+.

• We are planning a 3BR BLT TPV for next year.
• Might squeeze in a DL trip Fall of 2026 (without adult kids!).
• 2027 is looking like an Aulani trip with ocean view in a 2 BR.
• 2028 2BR at VDH. Come on DVC release more VDH points!

No plans for 2029 but let's hope Disney planning isn't required four years in advance!

 

[Chili327]

Short answer:

'no'

Longer answer:

• Last time we rented out points was circa 2018.
• But at that time, we had about 200 points not 600.
• Now that we're at the 600 level (with earliest expiration 2057) I think we'll rent out in the future.
• For clarification, I'm over the moon being at 600 and now able to book bedrooms regularly with TPV or Ocean even if needing to occasionally rent out.

I don't see us needing to rent out till 2028+.

• We are planning a 3BR BLT TPV for next year.
• Might squeeze in a DL trip Fall of 2026 (without adult kids!).
• 2027 is looking like an Aulani trip with ocean view in a 2 BR.
• 2028 2BR at VDH. Come on DVC release more VDH points!

No plans for 2029 but let's hope Disney planning isn't required four years in advance!

That sounds amazing!!
My plans have changed so much over the last 6 months, I only have stuff planned out thru April 2026.

I’m really considering stacking up some AUL-sub points just for SAP+ and there is a ton of contracts available right now I just can’t decide to pull the trigger a use year that is currently available or hold out for a possible better match. But the more I think about it, the more I want to buy a bigger contract. I really contemplated one that was over 500 points, if I rented points out not only would it help pay the dues & pay it off sooner, but would have enough points to get cabungahouses or GV’s more often.!!

 

[CaliAdventurer]

We’re about idk 14k per year and though I’d love more Epcot points the escalation of dues in the future def stays my hand. Then again, 14k is 3 nights at the Ritz London for my family this summer so that puts in perspective for sure! So though I thought I was at my limit, now I feel like it’s a great deal no matter.

 

[CaliAdventurer]

That sounds amazing!!
My plans have changed so much over the last 6 months, I only have stuff planned out thru April 2026.

I’m really considering stacking up some AUL-sub points just for SAP+ and there is a ton of contracts available right now I just can’t decide to pull the trigger a use year that is currently available or hold out for a possible better match. But the more I think about it, the more I want to buy a bigger contract. I really contemplated one that was over 500 points, if I rented points out not only would it help pay the dues & pay it off sooner, but would have enough points to get cabungahouses or GV’s more often.!!

I love big contracts and I cannot lie! Better price and better availability because you have more points in play. I have a 500 and a 600 and the smallest is 200. No regrets. I always sort my search for highest points to lowest.

 

[Brianstl]

Short answer:

'no'

Longer answer:

• Last time we rented out points was circa 2018.
• But at that time, we had about 200 points not 600.
• Now that we're at the 600 level (with earliest expiration 2057) I think we'll rent out in the future.
• For clarification, I'm over the moon being at 600 and now able to book bedrooms regularly with TPV or Ocean even if needing to occasionally rent out.

I don't see us needing to rent out till 2028+.

• We are planning a 3BR BLT TPV for next year.
• Might squeeze in a DL trip Fall of 2026 (without adult kids!).
• 2027 is looking like an Aulani trip with ocean view in a 2 BR.
• 2028 2BR at VDH. Come on DVC release more VDH points!

No plans for 2029 but let's hope Disney planning isn't required four years in advance!

Your next three years sound great.

 

[SugarSweetLee]

I’m really considering stacking up some AUL-sub points just for SAP+ and there is a ton of contracts available right now

Is there an easy trick to search/filter for the subsidized contracts? I'm sure there was a thread about this but I can't remember where.

 

[VGCgroupie]

Is there an easy trick to search/filter for the subsidized contracts? I'm sure there was a thread about this but I can't remember where.

Not all aggregators list sub contracts separately. Some brokers will have a separate section for sub. Some are just notated with an S on the listing #, and my favorite broker you have to just read the notes and check dues amounts. A good indicator is a higher price per point than average and/or common sub UY. Then there is also contracts that has no indication as sub and when you buy its a very nice surprise.

 

[Chili327]

Is there an easy trick to search/filter for the subsidized contracts? I'm sure there was a thread about this but I can't remember where.

Just look for over $115/pp. it’s the only way I have found to help weed them out. Which may be a good thing, it means they last longer on the resale market, keeping the price lower.

 

[stat]

I keep looking for an AUL sub but have yet to see one for my use years (Aug and Dec) in the wild. I check for all the telltale signs but it's been zero. I only use the aggregator email, maybe they just go that fast...

 

[Chili327]

I keep looking for an AUL sub but have yet to see one for my use years (Aug and Dec) in the wild. I check for all the telltale signs but it's been zero. I only use the aggregator email, maybe they just go that fast...

I think Feb and Mar are plenty, and April and June are less common, but everything else seems to be more of a unicorn.

 

[VGCgroupie]

I keep looking for an AUL sub but have yet to see one for my use years (Aug and Dec) in the wild. I check for all the telltale signs but it's been zero. I only use the aggregator email, maybe they just go that fast...

Some go fast others sit, especially stripped ones. I feel like people who are privy to Aul-S contracts aren't out to by stripped ones. I have seen more December than August. If using an aggregator I would look at every Aug and Dec that comes on the market. If the dues look weird Id email the broker and get clarification because you never know it could be SUB

 

[Chili327]

Some go fast others sit, especially stripped ones. I feel like people who are privy to Aul-S contracts aren't out to by stripped ones. I have seen more December than August. If using an aggregator I would look at every Aug and Dec that comes on the market. If the dues look weird Id email the broker and get clarification because you never know it could be SUB

I keep wanting to do that just incase.

 

[davidhr]

I keep looking for an AUL sub but have yet to see one for my use years (Aug and Dec) in the wild. I check for all the telltale signs but it's been zero. I only use the aggregator email, maybe they just go that fast...

I'm closing an august one currently. Those are rare and you can't rely on aggregators. I found mine at fidelity and no aggregator flagged it as subsidized. I sent an offer a few hours after it was listed.

 

[stat]

Some go fast others sit, especially stripped ones. I feel like people who are privy to Aul-S contracts aren't out to by stripped ones. I have seen more December than August. If using an aggregator I would look at every Aug and Dec that comes on the market. If the dues look weird Id email the broker and get clarification because you never know it could be SUB

Every time I've checked the dues look exactly correct for being non-subsidized. I've memorized the amounts by now for 50/75/100 points contracts. I keep hoping one looks off!

 

[VGCgroupie]

I keep wanting to do that just incase.

Me too! I have refrained and only did to on weird dues ones and ones on one off sites like https://www.redweek.com/ or https://vacatia.com/

Also aggregators dont pick up Redweek listings

 

[Genie+]

We average about $8.21pp in dues. Total bill is under $1,650 on 200pts (50BWV/150VGF).

I have thought about the long game and what would make me tap out. By the time BWV nearly expires the bill will be ~$3k if the average annual increase is 4%. I suspect that won’t feel too much different from what we spent this year. If annual increase averaged 8%, my dues bill would be over $6k for 2041. That could be a deal breaker for us though it’ll also largely depend on how much it outpaced inflation.

$1 in 2010 was worth $1.09 in 2015

$1 in 2015 was worth $1.09 in 2020

$1 in 2020 is worth $1.24 in 2025

All were 5 year intervals. Say $1 becomes worth $2 within a 10yr interval, that 8% avg annual dues increase might ‘feel’ ok to us. But if inflation was closer to 2010-2020 with a $1 in 2010 being worth $1.19 in 2020, that avg 8% increase might sting like a… time to tap out.