MAUI, Hawaii — Home to exotic gardens, lush rain forests, tumbling waterfalls, sun-drenched beaches, and unique culture, this island tops the vacation wish list for many travelers. With its upscale resorts and cosmopolitan dining, it can be expensive. But we have learned how to have a memorable time without busting the budget.

CHEAP DIGS  If you don’t mind roughing it a bit, consider camping at the 122-acre Waianapanapa State Park (www.hawaiistateparks.org/parks/maui/waianapanapa.cfm), located near Hana. Campsites ($18 a night) overlook the rugged coastline with access to a fabulous walking trail with black sand beaches, blow holes, and ancient temples. There are also cabins for rent ($90 a night), sleeping up to six, with full kitchens and bath.