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Old 03-08-2013, 08:35 AM   #26
jvalic33
Earning My Ears
 
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Join Date: Sep 2012
Posts: 36

ELMC - I appreciate your honesty and your consideration in your comments throughout. It means a lot that you took the time to give me your opinion because sometimes people just agreeing help you make a decision that is not right for you/me.

First, I did confirm with my DVC direct rep that I would be eligible for the $1000 off on BWV but not BCV and that I would also get the park passes for BWV and not BCV. However, the point you make about a portion of the loan needing to be paid off before I get those tickets is a very good point that I have not looked into.

As far as financing and adding and value of my investment/non-investment, those are all very good points.

First, I totally get the stress of four kids and financials. If I really thought about it, I would barely get up in the morning overwhelmed from the stress of having to feed 5 people and all on my shoulders. I say five because my husband resigned to work with me and I have my own business and if God forbid something happens we are all finished, but anyone can lose their job right?

The problem is I work so hard, at home, 15 hours days and weekends, all while raising four kids and we need and I owe myself a vacation. I would never be taking one twice a year if I didn't but into DVC. Also, we just have a lot of startup expenses as far as our home and farm, etc. so it is difficult to save period, but it helps that I am paying for the vacation over time, even if it is at a price, because I am afraid to use up cash during this economy and would rather pay off the loan more quickly when I have a chance then have the burden of having to give up the cash available now.

That is my thinking.
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