Trying to figure this out.... About This Page:

[trixiedixie]

Help

I know we really need to purchase more points as all we seem to do is borrow borrow borrow. So I am trying to figure out if we can even do a May 2013 STWW trip financially and from a points standpoint. We want our trip to be May 15 to June 2 if poss.

I have a March Use Year
March 2012 gone
March 2013 18 points left
March 2014 260 points full allotment

So when can I borrow those 260 points?

1) Now since Id be booking for May 2013?
2) March 2013 because I would now be 1 use year away and will they let me book a May trip in March?
3) I am out of luck.....

Sorry but this is when I struggle with the membership understanding......

[Brad]

I also have a March use year, so it is very easy for me to relate to your situation.

The March use year goes from March 1 through February 28 (or 29) of the following year. Since you are looking to book a trip in May 2013, you need to have the points available to you during your 2013 use year (March 1, 2013 through February 28, 2014). The points can either be banked in from the prior year, can be part of your 2013 use year annual allotment, or borrowed in from the 2014 use year.

You have already used your 2012 use year points, so you have nothing to bank into your 2013 use year.

You have 18 points left in your 2013 use year, so those will be available to you for your planned trip.

You have 260 points in your 2014 use year. All of those 260 points can be borrowed into your 2013 use year.

I think where people sometimes get confused with banking/borrowing is exactly when you are able to do the banking/borrowing. The simple answer is -- you are able to bank/borrow points whenever you need to do so, so that isn't really the issue. The important question really is in which use year you are planning the trip. In your case, since you are looking to book a trip during your 2013 use year, any banked points would have to come from 2012, and any borrowed points would have to come from 2014.

I hope this helps and answers your question.

Brad

[trixiedixie]

Originally Posted by Brad

I also have a March use year, so it is very easy for me to relate to your situation.

The March use year goes from March 1 through February 28 (or 29) of the following year. Since you are looking to book a trip in May 2013, you need to have the points available to you during your 2013 use year (March 1, 2013 through February 28, 2014). The points can either be banked in from the prior year, can be part of your 2013 use year annual allotment, or borrowed in from the 2014 use year.

You have already used your 2012 use year points, so you have nothing to bank into your 2013 use year.

You have 18 points left in your 2013 use year, so those will be available to you for your planned trip.

You have 260 points in your 2014 use year. All of those 260 points can be borrowed into your 2013 use year.

I think where people sometimes get confused with banking/borrowing is exactly when you are able to do the banking/borrowing. The simple answer is -- you are able to bank/borrow points whenever you need to do so, so that isn't really the issue. The important question really is in which use year you are planning the trip. In your case, since you are looking to book a trip during your 2013 use year, any banked points would have to come from 2012, and any borrowed points would have to come from 2014.

I hope this helps and answers your question.

Brad

Bless You for helping!

So I could book now?

[Brad]

Wow, I really gave you a long-winded explanation...

The short answer to your question is -- you can borrow your 2014 points now to book a trip that will take place during your 2013 use year.

As I said, you can borrow/bank your points whenever you need to do so. When you are booking a stay at at DVC resort, you normally are only dealing with points during your next two use years since you are only able to book up to a max of 11 months in advance. However, you are able to book a cruise up to 24 months in advance. So if you wanted to book a cruise in May 2014, you would be able to borrow points from your 2015 use year.

The important factor is when your vacation will take place (i.e., during which use year). Whenver that happens to be, you will be able to use banked points from the prior use year and borrowed-in points from the following use year.

Brad