My Yearly Borrow Questions - Please Help

[js]

Hi.

I am planning my trips for 2024/2025 and need to figure out how many points I can work with for my trips.

My U/Y is September

2024
26 points

2025
420 (this is how many points I own every year)

I want to book:

October 2024
I can use my 2024 points and borrow my 2025 points for my October 2024 ressie. Is this correct?

February 2025
I can use the remainder of my 2025 points is this correct. I would have no other points to borrow from 2026. Is this all correct too?

Thank you very much!

 

[drusba]

Yes you can use the Sep 24 points and borrow from 2025 if booking an Oct 2024 trip. Whatever 2025 points are left over after doing that reservation can be used for Feb 2025 and you can borrow 2026 points for that trip.

And those reservations can be made well in advance. If you want to book Oct 2024, you can do it now for home resort and borrow 2025 points for it, or do it at 7-months out for another resort.

Likewise you can reserve that Feb 2025 trip in March 2024 for home resort, or July 2024 for a non-owned resort and use the leftover Sep 2024 points and borrow Sep 2025 points when you make the reservation.

 

[lilsonicfan]

Yes you can use the Sep 24 points and borrow from 2025 if booking an Oct 2024 trip. Whatever 2025 points are left over after doing that reservation can be used for Feb 2025 and you can borrow 2026 points for that trip.

And those reservations can be made well in advance. If you want to book Oct 2024, you can do it now for home resort and borrow 2025 points for it, or do it at 7-months out for another resort.

Likewise you can reserve that Feb 2025 trip in March 2024 for home resort, or July 2024 for a non-owned resort and use the leftover Sep 2024 points and borrow Sep 2025 points when you make the reservation.

But can OP borrow from 2026 for the Feb 2025 trip? Wouldn’t they already be borrowing from their 2025 UY since they have a September UY, and Feb 2025 falls in the 2024 UY?

 

[kes601]

But can OP borrow from 2026 for the Feb 2025 trip? Wouldn’t they already be borrowing from their 2025 UY since they have a September UY, and Feb 2025 falls in the 2024 UY?

You are correct. 2026 points could not be borrowed for a Feb 2025 since it falls within the 2024 use year.

 

[js]

Thank you all.

So, I cannot borrow any points from 2026 September UY for my February 2025 trip.

Is above correct?

I can only use my left over 2024 September UY poibts and my 420 September 2025 points for my
October 2024 and February 2025 trips.

Is this also correct.

Thank you.

 

[lilsonicfan]

^^that is correct.

It seems that you have already borrowed most of your 2024 UY points, since your 2024 UY has not started and won’t start till Sept 2024. So you must have trips booked, or trips you have taken, where you have used up those points. The first time you could borrow from 2026 UY would be for a trip that is actually in your 2025 UY so Sept 1, 2025 to Aug 31, 2026.

 

[Sandisw]

Everything goes by UY of your trip…always start there…then you know any trip can be booked with banked points from the UY prior to the trip, UY of the trip, and borrowed from the UY after it.

Since a Feb 2025 trip is in your Sept 2024 UY, you can use banked 2023, if you had some, 2024, and borrowed 2025 to finish the reservation

 

[DVCanadian]

I find it helpful to write it out like this to make it simple:

September 1, 2024 - August 31, 2025. - 26 points
September 1, 2025 - August 31, 2026 - 420 points
September 1, 2026 - August 31, 2027 - 420 points

Move points to where you want the reservations.
October 2024
February 2025
Both of these reservations are in the sept 2024 UY.
You will need to borrow in addition to the 26 points already available.
You can only borrow from the sept 2025 UY.

 

[eticketplease]

If you were to purchase The maximum OTUP (24) and you borrowed all of your 2025 points you would have 490 points to use on trips during the period of 9/1/24 through 8/31/25.

26 - points from 9/1/24 expiring 8/31/25 unless banked by 4/30/25 (if points were banked into 2024 they wouldn’t be bankable again and would expire on 8/31/25)
24 - OTUP expiring 8/31/25
420 - points from 9/1/25 expiring 8/31/25 as they were borrowed

 

[Genie+]

Basically you cannot borrow the 2026 points for a trip dated earlier than Sept 2025.

 

[Ralph&Pam]

If you were to purchase The maximum OTUP (24) and you borrowed all of your 2025 points you would have 490 points to use on trips during the period of 9/1/24 through 8/31/25.

26 - points from 9/1/24 expiring 8/31/25 unless banked by 4/30/25 (if points were banked into 2024 they wouldn’t be bankable again and would expire on 8/31/25)
24 - OTUP expiring 8/31/25
420 - points from 9/1/25 expiring 8/31/25 as they were borrowed

470 total points, not 490. 26 + 24 + 420 = 470.

 

[WinterSolider]

So, I cannot borrow any points from 2026 September UY for my February 2025 trip.

Right. The earliest you can use September 2026 points would be September 2025.

 

[js]

Thank you all SO SO much as always for this most helpful information.
While, I believed it was correct, I always need the experts to assure me or correct me LOL

Thank you all again.

Now on to the planning!