How to finance DVC while in Florida?

Discussion in 'UK DVC Discussion' started by JennyG95, Mar 28, 2017.

  1. UKDisneyJoe

    UKDisneyJoe Mouseketeer

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    Thanks Cyberc1978. Sounds like a possible plan once we get ourselves sorted.
     
  2. Lee Matthews

    Lee Matthews DIS Veteran

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    Me and my partner are probably going to buy direct when we go back the end of the month. Yes I know it's more expensive, yes I know people say it isn't cost effective for them but we want to buy in so badly.

    Apart from going on holidays we don't smoke, drink or do that much else really, we work incredibly hard and save well so we are a bit like 'why not' and treat ourselves. Disney is everything for us and is something we want to share with our kids one day and just build memories.

    The yearly dues we won't notice as it can come out of my work bonus'

    £175 is a fair wallop extra to fork out a month but I know I can easily shave £75 off our monthly outgoings from bills and I'd only need to do an extra days work a month to pay the rest.

    Already flights im finding half the price as I did previously by flying Norwegian instead of Virgin Atlantic. About £750 return for the both of us.
     
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  4. UKDisneyJoe

    UKDisneyJoe Mouseketeer

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    I must admit I do feel a bit like that too as its just easier getting finance with Disney.
    Interesting flying with Norwegian, are they any good, comfortable, good meals, in-flight entertainment. Dont know anything about them at all really but if they are cheaper then Im all up for trying if it means we can get back to WDW more frequently :)
     
  5. Lee Matthews

    Lee Matthews DIS Veteran

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    I haven't flown with them yet. We are for the first time at the end of this month when we go back to WDW for our honeymoon.

    From what I understand, they charge extra for food on the flight and I hate airline food so will take a packed lunch on with me instead.

    They don't have TVs on the planes either which again doesn't bother me as I'm going to take my iPad mini preloaded with movies and shows to watch.

    The flight time is slightly less than virgin I think too. Maybe 8 and a half hours if I'm right. Must be down to being a different route in the air. I will though give a review of them when I get back.

    We love memory maker which is included for U.K guests getting park tickets. I don't think getting an annual pass or buying direct as a DVC member will save money here.

    Main one is food. We aren't the biggest eaters but do like a table service meal. Dinning plan probably won't seem worth while so again this month, I'm going to take a really good look how much I should be budgeting per trip on food.
     
  6. UKDisneyJoe

    UKDisneyJoe Mouseketeer

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    Packed lunch and ipad sounds good to me too especially if saving money :)
    Hope you have a great time and congrats on the marriage too
     
  7. zavandor

    zavandor DIS Veteran

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    It's your money so if it makes you more confortable to go direct, you've all the reasons to do so.
    However just be aware that the product you're buying it's exactly the same direct or resale. Depending on the amount of points you're going to buy, you can save a lot of money buying resale. Prices have gone up a lot recently, so the difference is going to be less than in the past, but yet for some resorts you can easily save 30-50%
     
  8. Lee Matthews

    Lee Matthews DIS Veteran

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    Is there much saving though for somewhere like poly bungalow at say 160 points?
     
  9. zavandor

    zavandor DIS Veteran

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    If you want to book Poly bungalows you can probably buy a cheaper resort and book them at 7 months. They've been consistently available at 7 months.
     
  10. Wakey

    Wakey DIS Veteran

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    It's not for me to tell people how to spend money, but buying a luxury product on the tick, paying top dollar is not a great idea. The fact you are talking about how you can shave £75 off monthly outgoings tells me you are not really in a position to be getting into huge debt with a continuing commitment of dues. Also if you buy direct and have to bail out because you cannot afford it, you'll lose money, first on the selling price, then the fees, then the 15% held back by US Tax authorities unless you can get that back (complicated). Please take this post in the manner it is intended and not as a criticism. If you have to have DVC a better strategy would be saving up, then buying a smallish point resale contract at circa $100 a point less than current Copper Creek and Poly prices. Good luck whatever you do.
     
    Last edited: Aug 22, 2017
    Lee Matthews likes this.
  11. Minniesgal

    Minniesgal DIS Veteran

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    160 points won't even get you 2 nights at a Poly Bungalow.
     
  12. Shelly F - Ohio

    Shelly F - Ohio Disney Extraordinaire

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    When buying resale you lose out on being about to book the Disney Collection resorts (Disney Cruise line, and the Disney Moderate resorts), the ability to attend special DVC events and the 10% off at restaurants and stores. So if none of those will ever effect you then buy resale. Why pay top dollar for something that you can get at a reduced price. We have a resale contract and we are happy with it.
     
  13. Cyberc1978

    Cyberc1978 Mouseketeer

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    That really depends on the time of year you book. Late September to early Jan can and will be very hard at any MK or Epcot resort.
     
  14. zavandor

    zavandor DIS Veteran

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    Poly bungalow until now have been available also during Fall Frenzy. I cannot see this changing.
     
  15. Cyberc1978

    Cyberc1978 Mouseketeer

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    True and the reason why is the bungalows are insanely expensive.
     

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