Sorry if this is a dumb question!

[paige]

We're new DVC owners so I'm still struggling with this use year thing! Our use year is Sept. We currently have 107 points in our account. If I book a trip using 94 points for Oct of 2018 that will use the points coming on in Sept of 2018 right? So if we decided to book a summer trip for summer 2018 will it let me if the Oct '18 trip is booked first? I remember it taking the points from our account as soon as I booked.
Like I said, I'm sorry if this is a stupid question

[Disney54us]

You always use your oldest points first, so even though you are booking a Oct 2018 trip. You can still use your 2017 points. If you book your next trip after then you will use what is left of your 2017 points and dive into your 2018 points. Your banking window would be The last day of April, so if you don't book your second trip before that. Bank and when you book you use your banked Points first.

[paige]

Got it! I always think I have it all straight in my head and then i start to confuse myself all over again!!! Thank you!

Originally Posted by Disney54us

You always use your oldest points first, so even though you are booking a Oct 2018 trip. You can still use your 2017 points. If you book your next trip after then you will use what is left of your 2017 points and dive into your 2018 points. Your banking window would be The last day of April, so if you don't book your second trip before that. Bank and when you book you use your banked Points first.

[Disney54us]

It all makes sense in the moment and then poof! I understand. There are those very verse, I mean spreadsheets etc. been a member since 97, still sometimes I go huh, wait. Get the basics down, then from there you can decide how deep you want to delve into a accountants sheet, lol. I’ve managed this long without being crazed and just knowing when to bank, use or rent.
Btw, congrats and Welcome Home!

[disney65]

You can book 2018 oct without banking now using 2018 pts. If you decided not to use 2017 pts you can Bank those pts and call and reallocate pts so your 2018 reservation can use banked 2017 pts.

You will get hang of using these pts soon once you make few trips.

[paige]

Ha ha! Yes, I don’t think I’ll ever be that well versed!!! Thank you so much 😊

Originally Posted by Disney54us

It all makes sense in the moment and then poof! I understand. There are those very verse, I mean spreadsheets etc. been a member since 97, still sometimes I go huh, wait. Get the basics down, then from there you can decide how deep you want to delve into a accountants sheet, lol. I’ve managed this long without being crazed and just knowing when to bank, use or rent.
Btw, congrats and Welcome Home!

[paige]

That makes sense, thank you so much!

Originally Posted by disney65

You can book 2018 oct without banking now using 2018 pts. If you decided not to use 2017 pts you can Bank those pts and call and reallocate pts so your 2018 reservation can use banked 2017 pts.

You will get hang of using these pts soon once you make few trips.

[Deb & Bill]

You need to forget about Jan to Dec and make a new calendar that starts Sept 1 and end Aug 31. Your current year points (2017) began on Sept 1, 2017 and expire on Aug 31, 2018 unless you use them or bank them no later than April 30, 2018. If you bank them they are good from Sept 1, 2018 through Aug 31, 2019. A trip in Summer 2018 falls in your Sept 2018 UY. A trip in Oct 2018 falls in your Sept 2018 UY. If you don't plan on using the Sept 2017 points by Aug 31, 2018, you'll want to bank them.

So any trips from Sept 1, 2018 through Aug 31, 2019 fall in your Sept 2018 UY. You can use banked Sept 2017 points, borrowed Sept 2019 points or current year Sept 2018 points for those trips.

Use Year is kind of like Fiscal year. Those don't usually run Jan to Dec either.

[disney65]

Originally Posted by Deb & Bill

Use Year is kind of like Fiscal year. Those don't usually run Jan to Dec either.

[henrycpa91]

Originally Posted by paige

We're new DVC owners so I'm still struggling with this use year thing! Our use year is Sept. We currently have 107 points in our account. If I book a trip using 94 points for Oct of 2018 that will use the points coming on in Sept of 2018 right? So if we decided to book a summer trip for summer 2018 will it let me if the Oct '18 trip is booked first? I remember it taking the points from our account as soon as I booked.
Like I said, I'm sorry if this is a stupid question

Think of it this way...with a Sept UY you are granted points for that UY starting September 1 and you have until August 31 of the following year to use those points. If you are not going to use them by that August 31 date, you need to bank them by April 30 (4 months before your UY.).

So, in your case I assume your Points were granted to you on September 1, 2017. that means you have to use them on dates before August 31, 2018....UNLESS you bank them into your 2018 UY then they absolutely must be used by August 31, 2019. If not used by then they will simply be lost.