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[quote=Anonymous]I agree with the PP that recommended setting up a separate account at your bank where a set amount is auto-directed into that account monthly. If you don't touch the money, you can't spend it. DO NOT NOT NOT go through a travel agent. You will pay a premium for everything and be stuck working with the companies they get kickbacks from.

First and foremost -- YOU CAN DO THIS, you will have to make it a priority and be creative. You say you are good at paying bills on time, just treat this like another bill.

Spend time looking on VRBO.com to find places to stay. It will motivate you. On the island of Oahu, check out rentals in Kailua and on the island of Kauai (my fave -- completely gorgeous), look in towns like Princeville, Haena and elsewhere on the North Shore. You will save a TON of money renting your own HOUSE instead of a hotel room and you can cook your own meals and have oodles of space.

If you or your husband have any frequent flier miles, try to book at least one flight using the miles. If relatives have excess miles that they aren't using, maybe they could let u use theirs.

I'm not sure how old your kids are, but consider making the plan as a family and discussing making sacrifices to get there (cutting back on Christmas spending, dinners out, new clothes, putting the money Grandma sends them for their birthday into the Hawaii account). Years ago, my husband and I decided to stop buying Xmas and birthday gifts for each other because we love to travel. When we are tempted to buy something, I actually think, "gee, that amount of money is a couple of nights renting a house or that's half a plane ticket" and I reconsider. Maybe telling yourself something like that would help.

Good luck and ALOHA.
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