Disney Vacation Club

Hello everyone!  Welcome to our page dedicated exclusively to all things Disney Vacation Club!  We are so excited to share with you our experiences, tips, and take you along on our journey as our family embarks on the dream of owning a piece of the magic.

A lot of you out there are either thinking of investing in the DVC or are already members.  We are fairly new to the DVC family, and it was a long journey to finally decide to invest.  Since our family began going to Disney in the early 1980’s, DVC wasn’t even born yet.  It wasn’t until a decade later that it got started in the early 1990’s, and at that time my parents were fairly new to the whole Disney vacation thing.  They didn’t know if they would be coming back year after year, and did not have the financial means to invest at that point.  Little did they know that annual Disney vacations would not only continue for them, but also for their children and grandchildren.  In fact, they are at Fort Wilderness at this very moment!  Hindsight is always 20/20 of course.  So, when it came time for my family to invest, I was not yet married or had kids.  I had just settled into my first “real” job and now had some extra money to spend.  Still, at that point did I know I would still be going back to Disney year after year to invest in such a big commitment?  At that time about 11 years ago, DVC points were about $110-116 a point with a 100 point minimum.  So, a $10,000 investment was still nothing to laugh about.  So, now fast forward to 2016, my family had grown to my husband, daughter, and new son on the way.  We took a trip to the Boardwalk that year, and made the decision to invest.  It was the right time for us, even though just like my parents our financial situation is not perfect, but we wanted to make sure we could set the groundwork for annual and affordable Disney trips.  It is a decision every family has to make, and three years into the DVC family we are so happy we did it!

To help others out there, here is a breakdown of our investment and the trips we have taken so far.  There are so many questions on there about DVC, the number one being, “How long does it take to get your investment back with the money you would have spent on hotel stay?”  After all, that is what the DVC is, a timeshare to allow you 50 years of hotel stay at Disney resorts, based on the number of points you purchase.  We invite you to take a look at our journey, and what we’ve done so far….

April 2016 DVC Initial Purchase of 175 points at $168/point, total cost $27,500 with a Disney developer credit of $2250.  Total loan amount approximately $25,000.  Contract valid for 50 years.  Home resort “Disney’s Polynesian Villas and Bungalows”

DVC Trip 1:  November 2016 first DVC trip 7 nights for 2 studios at Disney’s Old Key West Resort.  (Average room rate approximately $372/night= $5216)

DVC Trip 2: May 2017 Disney’s Polynesian Villas and Bungalows 5 nights with a Bay Lake view studio. (Average room rate approximately $478/night= $2465)

DVC Trip 3: October 2017 Disney’s Polynesian Villas and Bungalows 5 nights with a Garden view studio. (Average room rate approximately $478/night= $2465)

DVC Trip 4: September 2018 Disney’s Polynesian Villas and Bungalows 5 nights with a Lake view studio. (Average room rate approximately $509/night= $2545)

DVC Trip 5: May 2019 Disney’s Polynesian Villas and Bungalows 5 nights with a Lake view studio. (Average room rate approximately $509/night= $2545)

DVC Trip 6: July 2019 Disney’s Polynesian Villas and Bungalows 3 nights with a Garden view studio. (Average room rate approximately $509/night= $1527)

So, after six trips our room cost that we would have spent amounts to about $16,763.   So, it looks to be on track to pay the initial investment off after about 10 trips.  Keep in mind the resorts we selected to stay are on the moderate to deluxe side.  If we were staying at the value resorts, the payback will take longer.  Going into the DVC, we knew we were more likely to stay at the moderate to deluxe resorts vs. the value resorts more often.  So, this weighed into our purchase decision.

Also, keep in mind there are annual dues to be paid for the maintenance and taxes of a DVC investment.  Currently, in 2019 our annual dues are $95.93 a month or $1151.96 a year, but keep in mind this is based on the amount of points you own.  This also increases yearly, but on a very manageable rate.  So, factor this in with your decision the buy.  However, for our family the savings of annual dues vs. hotel costs saves us money in the long term.  Over the last year, our family has paid almost of our dues out of credit card rewards from cash back incentives, so our out of pocket expense for this has been about $100 per year.

Finally friends, be careful of DVC sites out there that give you misleading information.  DVC point cost increases a 2-3% a few times a year for new investors, and there have been recent changes in DVC membership rules to address the “non-Disney” DVC contracts out there available for re-purchase.  Odds are, Disney is going to continue cracking down on non-Disney purchased contracts.  Our recommendation is to buy through Disney itself.  For more information, see the Disney website Disney Vacation Club

And, now for the fun!  See below for recent posts of our DVC adventures!!!

2019 DVC Moonlight Magic Events

Bowling at Disney Springs: Splitsville

2018 DVC Disney Vacation