We live in WI and after the wedding we went to Door County. It was off season, so it was pretty budget (we didn't have the time off of work nor the money left for a big trip). We stayed at a B&B and got a room bigger than our apartment at the time! The room had 2 fireplaces, a hot tub, etc.
It was cool weather (March) so we didn't spend a lot of time outdoors, but we ate at very nice restaurats and went to a museum and strolled through the antique shops. It was only for 1 /2 a week, but it was lovely.
Then, a year later we went to Germany (our REAL honeymoon trip) for 2 weeks. Even that was somewhat budget as we spent some time with friends there (so no hotel expense) and it was shortly after 9/11 so the flight was pretty cheap. The friend drove us all around too. Rothenburg, Wiesbaden, Heidelberg,Trier, Rudesheim and even into Strausbourg, France and to Luxemburg. So we had cheap transportation (we did pay him gas money and brought him presents we knew liked such as Levis Jeans and Ralph Lauren clothing).
(OK, it sounds like we used our friend, but in reality he had come to America for like 5 yrs straight and we always hauled him around further, to places like Chicago, Toronto & Washington DC ).
As for tropical--I enjoyed Negril, Jamaica very much. We didn't do that trip on a budget though, but I am sure it could be done
relatively inexpensively.Especially if you don't do an all inclusive resort and if you book charter airfare & don't go in the winter.