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Old 02-12-2011, 01:25 PM   #16
MichaelF
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We stay on our points two of every three years so we are always borrowing or banking each year.
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Old 02-12-2011, 01:44 PM   #17
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we barrow every yr we get our points in dec but know that our sons in school we go away during the summer used to go day after thanksgiving know june july or aug
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Old 02-12-2011, 10:45 PM   #18
disneygramma
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We have "borrowed" only once (in 2009), and otherwise, not really. It has pretty much worked out so far with the trips we have taken.
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Old 02-12-2011, 10:51 PM   #19
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I have never borrowed in over 6 years of owning. Last year I was 9 points short for a ressie at AKV, and I was in a use them or lose them place, so I purchased the extra points using their new system instead of borrowing. I love to bank and have lots more to use than I need.
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My Previous TripsDisney Wonder and POFQ 12/14; Cancun Westin Lagunamar 09/14;Carnival Breeze Southern Caribbean and Universal Studios 01/14; Aulani Resort and Westin Ka'anapali Villas North, Maui 09/13; BCV's 04/13; Carnival Liberty Eastern Caribbean and SVV 10/12; BCV's and SVR 04/12; Carnival Legend Western Caribbean and SVV, 12/11; BCV's and SVV, 04/11; Carnival Triumph Western Caribbean and New Orleans 02/11; SVV 10/10; Swan, CBR and AKV Jambo 08/10; Las Vegas 02/10; POP 08/09; BWV 10/08; AKV 08/08; OKW 12/07; OKW 01/07; SSR Jan 06; VB Aug. 06; BCV Aug. 05; Las Vegas 12/05; CS 08/04; Off Site 08/02; Off Site 08/2000; Camping Off Site 08/1989
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Old 02-13-2011, 12:48 AM   #20
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we borrow points every so offten this year we are last year we did not so it feels like every other year we are doing this . thank pixies not every year lol
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Old 02-13-2011, 01:03 PM   #21
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We just bought last year and did not take a trip so banked the 160 and even with last years banked and this years we STILL had to borrow. Of course we are taking my whole family and so a 1brd and studio for 9 days makes for some borrowing. However I am thinking next year we will probably no go or only go for a small vaca to help balance it out. Maybe.........

That or for Christmas I will ask my whole family to save the gifts and buy me more points!
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Old 02-13-2011, 01:57 PM   #22
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Quote:
Originally Posted by southerngirl1014 View Post
That or for Christmas I will ask my whole family to save the gifts and buy me more points!
The gift that keeps on giving!
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Old 02-13-2011, 02:21 PM   #23
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The gift that keeps on giving!
Absolutely!
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Old 02-13-2011, 02:25 PM   #24
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I'm in a state of borrowing right now. We got the APs this year so we are taking a few trips to make good use of it.
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Old 02-14-2011, 02:51 PM   #25
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In 2006 we borrowed some 2007 points to stay for 7 days at BCV in a 2BR with my dad and stepmom. We took a trip at Easter 2007 (high points) and paid cash for our room and stayed at POFQ. We banked the rest of the 2007 points into 2008 and then used them to book a 1BR at BWV for 10 nights.
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Old 02-14-2011, 03:12 PM   #26
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We borrow a few each year depending on where we stay, size of accommodations etc. We used to have it figured out for a one bedroom savannah view for our anniversary week every year but DVC upped the number of points that will cost us so we don't have enough now and can't afford to add on. Now we just vary our stay between one bedroom and studios depending on how long we plan to stay.
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Old 02-14-2011, 05:44 PM   #27
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We borrow and bank points from time to time but usually only a few here and there. I have already borrowed all of our 2011 points since we won't be going back to Disneyworld for a while after our trip next month. We are heading to Vancouver and Alaska on the Wonder this summer and we have a couple of other non-Disney trips next year so we decided to use next year's points now while we still have AP's.
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Old 02-14-2011, 07:11 PM   #28
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We also vary between banking and borrowing. Last year we paid for part of our cruise on points, so that took more. This year we had a surplus. Then I used our surplus points to pay for a studio for DMum and DSis later this month. Now we have very good friends who are going for their first trip in May. If we decide to join them for a couple days it will mean borrowing from next year. There have been years where we've banked points, too. That's part of the fun of owning DVC!!

We have 300 pts at the BWV which is enough for us to stay there about 10 days in a 2 BR. We also bought 60 points at BLT which would give us a several nights in 2 studios every other year (which was the plan when we added on).

Beth
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Old 02-15-2011, 05:33 PM   #29
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Banked & Borrowed about the same!
This is another great advantage of DVC!
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Old 02-15-2011, 09:30 PM   #30
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We've borrowed for our upcoming trip, as well as our next planned trip for November. But it is not that many points that we borrow. As an example, for our November trip, we will be borrowing 6 points. We like to travel to WDW more than once in a 12 month period, and I think we are doing pretty well in managing our points.

As Tim explained, I don't think borrowing points is a bad thing. But I think it works better if you are able to anticipate your travel needs over the next few trips.
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