The crashing of waves on the beach. The lapping of water on the lake. The warmth of the evening campfire. These are just some of the joys of vacation. But saving the money needed to get you to your destination can be challenging.

Here are seven practical tips to help you reach your goal:

• Set a realistic budget. Determine how much you need to save for your vacation by considering expenses such as transportation, accommodation, food, activities, and souvenirs. Once you have a clear understanding of your financial goal, break it down into manageable monthly or weekly targets.
• Create a dedicated savings account. Open a separate bank account specifically for your vacation savings. This will help you track your progress more effectively and resist the temptation to spend the money on other expenses.
• Automate your savings. Set up automatic transfers from your checking account to your vacation savings account. By automating your savings, you ensure that a portion of your income goes directly towards your goal without requiring constant manual effort.
• Cut unnecessary expenses. Review your monthly expenses and identify areas where you can cut back. This might include dining out less frequently, canceling unused subscriptions, or finding cheaper alternatives for everyday items.
• Plan and book in advance. Research your destination thoroughly and take advantage of early-booking discounts and promotions. Booking flights, accommodations, and activities well in advance can help you secure better deals and avoid last-minute price hikes.
• Choose budget-friendly accommodations and activities. Consider staying in budget accommodations such as hostels, guest houses, or vacation rentals instead of expensive hotels. Look for free or low-cost activities and attractions at your destination, such as hiking trails, museums with free admission days, or local festivals.
• Pack your own meals. To save money on food expenses during your trip, consider packing your own snacks and meals for travel days or picnics. Additionally, purchase affordable ingredients at grocery stores or local markets to make your own meals.

Remember that saving money for a vacation requires discipline and perseverance. Keep yourself motivated by visualizing your dream destination and reminding yourself of the experiences you’ll enjoy once you reach your savings goal.

Megan Witmer is manager of F&M Trust’s Memorial Square Community Office in Chambersburg.