Hawaii Money Saving Tips

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In case you haven’t realized, we love to travel! And the question I often get is how we can afford to do so many great things? Especially with regards to our three-week trip to Hawaii.

Although Hawaii is part of the United States, it is not a cheap place to visit. As you can imagine, flights are expensive, as are fancy resorts. But even simple things, like Doritos ($5.99 a bag, anyone?) are marked up due to the expensive costs of shipping goods to the islands.

But I found there are some legitimate ways to save money when visiting Hawaii. Simple things that anyone can do to save a little here and there! Here are my best Hawaii Money Saving tips:


Hawaii Money Saving Tips

Hawaii Money Saving Tips. Tips for saving money when traveling in Hawaii. Help booking the best place to stay, rental car, activities and inter-island flights! mommatogo.com


Your biggest expense on a trip like this is the flight. You can’t road trip in so you have to fly. As with any big airplane trip, I recommend saving up points and looking into credit card rewards about a year in advance to take advantage of getting the maximum in rewards. I love The Points Guy for stuff like this. But since this tip is true for whenever you fly, I am not going to go into how to travel hack here.

Hawaii Money Saving Tip: Stay in a Condo

For a family, after flights, the second biggest expense is accommodations. We spent 21 nights in Hawaii, 16 of them in rental properties. In Maui we stayed in a 1-bedroom condo across the street from the beach at an average of $160/night (including all fees and taxes). In Kona we stayed in a 2-bedroom townhouse at an average of $156/night. The last 5 nights we had a wonderful, but expensive stay (average $260 per night) at the Waikoloa Beach Marriott on the Big Island. Not only is the per-night cost cheaper in a rental, we had double or triple the space AND more importantly, the ability to grocery shop and cook our own food.

Yes we cooked our own food on vacation (I have friends who laugh at this). We also were able to buy sodas, juice boxes, and alcohol at the grocery store and keep them cold at home. Big money saver!

I wrote a whole post on how to save money when booking a vacation rental, so I am going to direct you there for more information. But TRUST me you will save money this way, and honestly besides the poolside bar service, you really won’t miss much! The condos we stayed in had all of the amenities a hotel would have, but with more space, more than one bathroom, and even supplied beach chairs, beach toys and boogie boards!


Hawaii Money Saving Tip: Car Rental

When visiting the Big Island or Maui you will need to rent a car. In 2005, hubby and I went to Oahu/Waikiki and did not need a car, but I cannot imagine getting around efficiently on the other islands without one. Sometimes I feel like car rental prices come out of a magic eight ball, there is no rhyme or reason to them, but when planning this trip to Hawaii, I figured out some important strategies to save money.

First of all, I recommend booking the smallest type of car that you need. For a family of four, I went with the compact or economy car. You might think of Hawaii as rugged mountain terrain, but you are not taking your rental car on any rugged mountain terrain. The rental companies are very adamant that you keep your car on paved roads only. If you really want to go off roading, there are outlets that will rent you a jeep hourly, or for the day.

All roads in Hawaii are slow. There are no big freeways. You will never be going more than 40mph. Unless you have a lot of passengers, there is no need for a van or large SUV. In Maui we rented a Corolla and that baby climbed Mount Haleakala to 10,000 feet (on paved roads). The car was fine. On the Big Island we had a Ford Focus and went to the observatory at Mauna Kea, which is at 9,200 feet. I felt strongly that for a family of four, renting a smaller car was a good place to skimp a little!

As for actually renting, and I do this whatever my destination, I book cars through Costco Travel (You have to be a member, or have a membership number wink, wink) or BJ’s Travel (where they do not ask you for a membership verification). With these sites, you reserve the car, but do not enter your credit card information. I would book, and then periodically check for better deals. When I found a better price, I then booked a new reservation and cancelled the old one. I think for each island I ended up reserving three times as the prices kept going down!

Check out all my best car rental tips here.



Hawaii Money Saving Tip: Inter-Island Flights

Now as I mentioned above, flying TO Hawaii is expensive. It’s technically domestic, but you are paying fares more on par with international travel (and it will cost you more miles or points than basic domestic flights). BUT, I found a great way to save money when flying between Maui and Kona – commuter airlines!

We flew from Maui to Kona on Mokulele Airlines.


Hawaii Money Saving Tips. Tips for saving money when traveling in Hawaii. Help booking the best place to stay, rental car, activities and inter-island flights! mommatogo.com

Exactly! Everyone has heard of Hawaiian airlines, and flying them will feel like you are on a small Delta/American/United plane. But there are smaller airlines that operate inter-island flights on smaller planes, and for smaller fares!

I found Mokulele Airlines by searching Google flights. Our Mokulele tickets were $40 cheaper- PER PERSON than the next lowest fare! We paid $20 to check our one bag.

We also had the awesome experience of flying on a 10-passenger Cessna plane. We flew low, so we had great views of both islands. The kids thought it was so cool to be on such a small plane!

Hawaii Money Saving Tips. Tips for saving money when traveling in Hawaii. Help booking the best place to stay, rental car, activities and inter-island flights! mommatogo.com

Hawaii Money Saving Tips. Tips for saving money when traveling in Hawaii. Help booking the best place to stay, rental car, activities and inter-island flights! mommatogo.com

Great experience and a money saver- I highly recommend looking outside the box when booking an inter-island flight! Mokulele flies routes between Maui/The Big Island, Maui/Oahu and Maui/Molokai. Island Air is the other commuter airline and operates between Oahu/Maui, Oahu/Kauai and Oahu/Big Island.




Hawaii Money Saving Tip: Save on Activities

This was a long trip where many days we lived like locals, waking up, eating breakfast, me going for a run or walk, heading to the beach with a picnic lunch and seeing where the day took us. But there were a few activities that we researched, and booked, in advance of the trip. Not only did this give us an outline to our time in Hawaii, but we saved money by booking in advance.

Hawaii Money Saving Tips. Tips for saving money when traveling in Hawaii. Help booking the best place to stay, rental car, activities and inter-island flights! mommatogo.com

Maui Ocean Center – If you book online, you can purchase a Fin-Tastic Family pass for only $81.95. This is for a family of four and will save you about $14. You can only purchase this online, one-day in advance of heading to the aquarium.

Luau – we booked our luau through Honu Hawaii Activities and saved about $20 per ticket. I highly recommend looking for discount luau tickets before you go.

Snorkeling – we advanced booked this snorkeling trip and saved $10 per person.

I highly recommend all of these actual activities (check outMaui Must-Do, Best Big Island Beaches, Big Island Activities) but in general, Google what you want to do and look for discounts online before you head to the islands. If you are going to pay for these experiences, might as well save a little money!


Hawaii Money Saving Tip: Come Prepared. Or Not.

Figuring most items would be sold at a premium, we came to Hawaii well stocked. We had 8 bottles of sunscreen, toys, pool toys and all the toiletries we thought we would need. Online I purchased THIS set of two underwater cameras, which alone saved me about $20 over buying two cameras at our local CVS! On the snorkeling trip you could have rented an underwater camera for $40, but then you would have only had it for that two hours!

But with that said, we did need to buy some things. In Kona there is a Wal-Mart, where the prices were reasonable. Wal-Mart is also a good place to get postcards and souvenirs. In Maui there is a big K-Mart. So as long as you aren’t confined to buying at the resort gift shop, no need to panic if you do need to buy another bottle of sunscreen (as we did) or want to purchase some pool toys for the kids.


Hawaii Money Saving Tip: The Beach is Free

That’s right. The best thing to do in Hawaii is actually FREE! No beaches charge to get on the sand. Now parking, that is a different story… state parks charge $5 per car, but still so reasonable! To access some great beaches, like Kam I, II & III on Maui, or Magic Sands on the big island, you have to find street parking. In August, we never had problems finding spots, and again, that’s where having a small car also comes in handy!

Hawaii Money Saving Tips. Tips for saving money when traveling in Hawaii. Help booking the best place to stay, rental car, activities and inter-island flights! mommatogo.com
Magic Sands Beach, Kona, Hawaii. No charge to get on the sand. Street parking free of charge.

Have you been to Hawaii? What are your best Hawaii money saving tips?





Other awesome Hawaii posts:

Best Big Island Beaches

Driving The Road to Hana

Must-Do Maui Activities

Tips for Booking a Vacation Rental

21 Amazing Things to Do in Hawaii by Off With the Kids



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  1. I’ve been to Oahu several times but that’s the only island I’ve ever been to. I think these are great tips though, especially about the food. What we usually do is buy fruit and muffins we can eat for breakfast, and oftentimes that’s eaten in the car or on a hike. Great way to save money and get an early start! Also, our favorite place to souvenir shop on Oahu is the swap meet, find all the same stuff as your local tourist shops but for much cheaper!

    1. harmskills Author

      oh wow, great tips! Hubby and I spent time on Oahu in 2005, so we stuck to two islands (Maui and the Big Island) for this trip. I’d love to go back and do Oahu & Kuaui (never been to this one!)

  2. I love these tips! I am dying to go to Hawaii and always find myself so discouraged looking up fights and seeing how expensive it is! These tips seem like a total life saver for actually visiting Hawaii. What are you favorite islands to visit?

    Thanks for sharing!

    1. harmskills Author

      Maui was the most beautiful! I love the beach bum, hang 10 kinda culture. Flights are def pricy but check out pointsguy if you are into travel rewards, i got 60K miles this year on delta just for signing up for a new card!

  3. This post totally makes me want to go to Hawaii again. We went before we had kids so it wasn’t as expensive. Thanks for sharing such great tips!! They’ll be so helpful if we ever get a chance to go again!

  4. I was actually born and raised in Kona, Hawaii, and I know first hand how expensive it can be! You shared some great tips! My parents both own retail shops on Alii Drive,, Kona Inn Jewelry and Hawaiian Fruit and Flower Company, if y’all ever need souvenirs, and they are just as cheap as Walmart, I promise! And we are friends with the owners of Mokulele Airlines, glad you were able to fly cheaper with them!

  5. We visited Hawaii for two weeks last July with a 3-year old and a 12-week old baby, and I totally agree with your tips! The beach being free is a huge one; when you think of Hawaii, you think beaches, and it doesn’t cost a penny to sit on the sand! I would also add that we found eating local produce was cheaper; ordering fish instead of steak at dinner, for instance.

  6. These tips are fab. We have been dreaming of going to Hawaii for so long but just do not have the funds right now. I love these tips. Never thought of staying in a condo but will now. We love the beach and we love that it is free. It is always one of our top activities abroad!

  7. Thank you for the fabulous tips! Hawaii is on our bucket list and this post will infidelity help us commit to doing it sooner!

    Looking forward to reading more of your work!

  8. I have never been to Hawaii before, but I will one day hopefully. I liked the idea that you are trying to save some money, people do not understand that that way you can afford to stay longer on your holiday.

  9. Some great advice, especially on booking the car rentals! Travel prices seem to go up and down all the time, and it takes some watching to find the bargains! Looks like you had a great time, too!

  10. We are headed to the Big Island next month and have found the same things you list to be true. Most notably, Costco wins for car rental cost hands down (especially since we will have 3 drivers and they don’t charge for additional drivers).

    Good tip on making sure to pack sunscreen and various sundries. Are prices at Costco and Wal-Mart also higher than on the mainland? This will be my first trip to Hawaii and all I hear is how crazy expensive everything is – except the beaches and the forests – those are free! 🙂

    1. harmskills Author

      wal mart really wasnt that much more. We had to buy sunscreen at CVS and it was about the same. Groceries were the biggest sticker shock. All grocery items were at least a $1 more than I find at home. This at the safeway.

  11. Tara

    These are some amazing tips! Our dream vacation is to spend several weeks in Hawaii and we’ve been concerned about the cost. Your tips could help us make this dream trip a reality sooner rather than years later!

  12. Great tips! I agree about saving money by cooking for yourself most days. It saves on any trip, but especially in Hawaii where prices are so much higher than many other places. Great tips about the car rental, too. I, too rent the smallest car I can get away with and book/cancel as prices change.

  13. Aw, I’ve just been to Hawaii earlier this year and I can totally relate to everything you posted. I did not buy sunscreen or underwater cameras in advance and was very shocked by the prices – even though I lived in San Francisco, where everything is usually pretty expensive as well.
    I also loved your tip regarding the airline. We flew with Island Air between Oahu and Kauai but I haven’t heard about the commuter islands. Great tip for next time when I definitely want to visit Maui as well!


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