What type of DVCer are you? Borrow/Bank/Always even?

[POOH&PIGLET]

I voted "combination depends on the year."
We borrowed in the past but now have a few points banked.

 

[Mickmse2002]

We are almost always in a state of "borrow". You would think with 400 points this wouldn't be the case but it just never seems to work out to be a break even proposition for us. Once we started the slippery slope of borrowing we can't seem to stop ourselves. Their are just too many convenient reasons to take vacation. Our only saving grace will be if they ever end the Food & Wine festival. We are purposely avoiding the Flower & Garden Festival to keep from having to do another add-on.