smart spending

5 tips to map out a frugal dream vacation

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A set of beach photos

To keep your motivation up while saving, make the destination a visible feature in your home. Set your computer's background to a picture of the place or put postcards on the fridge.

"This can help not only with saving, but with the waiting period," says Hayes. "View it as part of the experience."

One caveat: Make sure you don't get too idealistic about the destination. The place might not be as crystal clean as it looks on the postcard, but that doesn't mean you chose the wrong spot, says Hayes.

"Let go and have a little serendipity. It's all part of the experience," Hayes says.




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