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Raise your hand if you love a good travel deal! How do condo rentals at Hawaii resorts for as low as a $199 week sound? Or week-long $399 condo vacations in Las Vegas, Branson, Orlando, The Poconos, The Berkshires, or Shenandoah National Park? Want to save thousands of dollars at premium resorts like Disney Vacation Club, Westin Ka’anapali Ocean Resort Villas, or Marriott’s Aruba Surf Club? I’ll show you the way!

Did you know that you can rent condos at timeshare resorts, just like renting vacation homes? As a happy timeshare owner of 15 years, I’ve learned the ins and outs of this part of the vacation world. I’m not a secret employee of the timeshare industry. I’m just a frugal Fannie sharing my travel hacks so people can go on more vacations, no matter their budget.  And don’t worry, when booking timeshare rentals, you aren’t required to attend a timeshare presentation.

Having a money mantra can help improve your personal finances, but it is not a silver bullet that can fix all your money problems overnight.

Improving your personal finances requires you to change behaviors and take action, whether that means saving an extra dollar, starting to invest, or sitting down and creating a budget.

Money mantras serve as reminders and motivators to help you take that action. Below, we’ll walk through in more detail what they are and how you can create one of your own.

It’s no longer “Who Wants to Be a Millionaire” but how to become a millionaire. You don’t have to be a contestant on a game show, win the lottery, or receive a windfall from a relative. Just follow the 16 Do’s and Don’t in this article, and you’ll be on the road to becoming a millionaire.