Here is a breakdown on a possible wayto use these points.  

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63V

FL, Disney, Orlando

THE VILLAS AT WILDERNESS LODGE

300

295 banked 2006 plus all for 2007. $89 a point

April

$26,700

Based on the point chart for Wilderness in a One Bedroom unit:   Dec. Christmas Trip     7 nights 350 points      5 nights with no weekend 200 points    5 nights with one weekend night  235 Spring March Trip         7 nights 270 points      5 nights with no weekend 150 points    5 nights with one weekend night  180   If you did a 5 night with no weekend for your Christmas trip you would use 200 points from your banked year 2006. You would have to take your 7 night spring break trip in March and use your 95 banked year 2006 points that were left over plus 175 from your year 2007 points. This would leave you 125 points from your April 2007 points that you would bank to become available again on April 1, 2008 along with the fresh 300 year 2008 points. Now you can do another Christmas trip Dec. 2008 using the 125 banked points from April 2007 plus using another 75 points from your 2008 points. This leaves you 225 points to use for a Spring 2009 trip. So, you would use the 225 year 2008 points and then you would have to borrow from your year 2009 allotment to do a trip that requires more than 225 points. Now you are all caught up with the banked points and you will receive 300 new points every April. This is not enough points to continue 2 trips a year, unless you booked smaller units or stayed shorter periods or came in slower time periods. This would be 4 vacations by spring 2009. That's fun.      If you were to use this ownership doing the 5 night no weekend for both trips, you would use 200 of the banked 2006 points for your Christmas 2007 trip then 95 of the banked 2006 points for a March 2008 trip plus 55 from your year 2007 allotment. This would leave you 245 points from your 2007 usage to bank so that you can  use for another 5 day Christmas trip in 2008, it would be 200 points, leaving you 45 points to use for March '09. Now you have to use your fresh April 2008  300 points plus your banked 45. So, Spring '09 you would use your 45 banked 2007 points plus 105 of your 2008 points, leaving you 195 year 2008 to have banked. You now have 195 banked points for a Christmas 2009 trip. You would use these 195 banked points plus 5 from your April 2009 allotment leaving you 295 year 2009  points of which you could use 150 of them for a March 2010 trip and bank the remaining 145. Now you have your fresh 300 April 2010 points plus your banked 145 points. You could use the 145 banked plus 55 year 2010 points for a Christmas 2010 vacation. This will leave you 245 points for a March 2011 trip. If you use 150 points for that trip, it would leave you 95 points to have banked forward. Now you get 300 year 2011 points plus the 95 banked 2010 points. You could use the 95 banked plus 105 of your year 2011 points for Christmas 2011, leaving 195 points for a Spring 2012 trip. If you needed more, you would have to borrow from your April 2012 allotment. You are now all caught up with the banked points. WOW! That is 10 vacations before you run out of banked points. Incredible.   I hope this helps. Kinn