I know I've asked this question before but when ever I'm about to book a long stay I panic. My question is when you're booking a trip using borrowed points can the year you're borrowing them from be from the year beyond your trip or is it the year after the year you book?

I'm not sure if that's totally clear. My family and I are planning a trip for November, 2018. Can I use points from 2018 and 2019 even though I'll be booking in 2017?

Thanks much!