SOC-1595_Halloween on a budget-how to celebrate without a financial fright_V1-R1_1280x720_01.png

Everyday Finances

Halloween on a budget: how to celebrate without a financial fright

Sep 26, 2024

Madison-VonSosen.jpg

Written by

kim-rotter.jpg

Reviewed by

Halloween is one of the most thrilling times of the year, but let's be real, it's getting more expensive than buying a haunted mansion these days. The pressure to outdo ourselves and our neighbors is enough to give anyone a fright. But fear not, with a little creativity and planning, you can still have a ghoulishly good time without the beastly bills. 

Celebrate Halloween fun with family and friends without the fright of overspending! Check out our DIY costume ideas, budget-friendly decor, and tips for a wickedly fun potluck and treats. 

SOC-1595_Halloween on a budget-how to celebrate without a financial fright_V1-R1_1280x720_06.png

Spook up your space with DIY Halloween magic

Halloween decorations can be another major expense, but you don’t need to overspend to deck out your home. If you have a knack for crafts, you may want to try creating your own wreaths, lanterns, and centerpieces. YouTube, TikTok, and Pinterest are great resources for DIY decoration ideas that are both budget-friendly and fun to create.

Don’t throw out old decor just yet—a can of spray paint can work wonders in giving items a fresh, spooky makeover. Turn last year’s bright orange pumpkins into eerie black ones or give worn-out tombstones a distressed, haunted look. With a little creativity, you can repurpose what you already have into something new and exciting.

Don't forget to also check out Facebook Marketplace or local online groups for second-hand decorations at a fraction of the original price. 

SOC-1595_Halloween on a budget-how to celebrate without a financial fright_V1-R1_1280x720_03.png

Get crafty and slay your costume game

One of the biggest Halloween expenses is costumes. Instead of buying a new one, get creative and make your own. Use items you already have or repurpose old clothing. There are so many DIY ideas on social media and Pinterest that use minimal materials and can be assembled quickly. Thrift stores are great for finding hidden gems like vintage dresses for a ghostly bride or old uniforms for a ghastly zombie costume.

If you’re looking to refresh your Halloween wardrobe without spending any money, consider organizing a costume swap with friends or neighbors. This way, everyone can exchange last year’s costumes for something new. 

SOC-1595_Halloween on a budget-how to celebrate without a financial fright_V1-R1_1280x720_04.png

Gather your friends and throw a wicked Halloween potluck

If you’re planning a Halloween party, the cost of food and drinks can quickly add up. Instead of shouldering the entire expense yourself, why not make it a potluck? Ask each guest to bring a dish or drink to share. Not only will this spread out the cost, but it'll also add variety to the menu—everyone can showcase their favorite spooky snacks and treats.

You can even turn the potluck into a fun competition for the best-themed dish. It’s a great way to get everyone involved and keep the party budget-friendly. 

SOC-1595_Halloween on a budget-how to celebrate without a financial fright_V1-R1_1280x720_05.png

Spice up your trick-or-treat game with budget-friendly treats

Purchase candy in bulk from warehouse stores or online retailers. Larger quantities often come at a lower cost per piece. Prices for Halloween candy can fluctuate as the holiday approaches. Start shopping early to take advantage of lower prices and avoid last-minute price hikes.

Be sure to keep an eye out for sales and promotions in grocery stores and drugstores. Use coupons if you have them, and check if any stores offer rewards programs that can help you save. Generic or store-brand candies can be significantly cheaper and still satisfy trick-or-treaters’ sweet tooths.

You can also consider alternatives like small toys, stickers, or glow sticks. Places like Amazon sell these in bulk for a fraction of the price of candy, and offer a fun twist on traditional treats.

Whether you’re crafting your own costume, decorating on a dime, or hosting a budget-friendly bash, celebrate Halloween in style—without the financial fright.

Happy Halloween, and here’s to celebrating with a little extra savings and a lot of fun!

Author Information

Madison-VonSosen.jpg

Written by

Madison works as a Marketing Copywriter on Achieve's Growth Creative team. She creates content across multiple platforms, including crafting emails and blogs.

kim-rotter.jpg

Reviewed by

Kimberly is Achieve’s senior editor. She is a financial counselor accredited by the Association for Financial Counseling & Planning Education®, and a mortgage expert for The Motley Fool. She owns and manages a 350-writer content agency.

Related Articles

4.jpg

Everyday Finances

If you’re a homeowner, you might be able to use a home equity loan to reach a major financial goal. Find out how.

SOC_Dollars-&-Sense-home-page-banner-image_1280x720_01.jpg

Everyday Finances

Expecting a check from the IRS and wondering what to do with it? Check out this inspo for smart ways to use your tax refund.

7.jpg

Everyday Finances

If you’re looking to borrow money, it helps to know the difference between unsecured debt and secured debt, Learn more here.

Jackie Lam

Author

Achieve Logomark

Achieve is the leader in digital personal finance, built to help everyday people move forward on the path to a better financial future.

Footer Trust Pilot Marker

TrustScore 4.8/5

Footer BBB Marker

.

Achieve.com (NMLS ID #138464) operates as a marketing lead generator for affiliates and non-affiliates, and as a broker for loans and debt resolution services offered by its affiliates. We also offer certain mobile applications that allow consumers to view and analyze their finances. We may take applications for our affiliates, but we do not make credit decisions, originate loans, process consumer loan or bill payments, or provide any other financial services. We do not collect any fees or other compensation from consumers.

Any financial solutions for which you may be evaluated for are offered by Service Providers with which we are affiliated and/or compensated by who participate on our website. Terms and conditions apply to each, and not all are available in every state.

Personal loans are available through our affiliate Achieve Personal Loans (NMLS ID #227977), originated by Cross River Bank, a New Jersey State Chartered Commercial Bank or Pathward®, N.A., Equal Housing Lenders and may not be available in all states. All loan and rate terms are subject to eligibility restrictions, application review, credit score, loan amount, loan term, lender approval, credit usage and history. Loans are not available to residents of all states. Minimum loan amounts vary due to state specific legal restrictions. Loan amounts generally range from $5,000 to $50,000, vary by state and are offered based on meeting underwriting conditions and loan purpose. APRs range from 8.99 to 35.99% and include applicable origination fees that vary from 1.99% to 6.99%. The origination fee is deducted from the loan proceeds. Repayment periods range from 24 to 60 months. Example loan: four-year $20,000 loan with an origination fee of 6.99%, a rate of 15.49% and corresponding APR of 19.54%, would have an estimated monthly payment of $561.60 and a total cost of $26,956.80. To qualify for a 8.99% APR loan, a borrower will need excellent credit, a loan amount less than $12,000.00, and a term of 24 months. Adding a co-borrower with sufficient income; using at least eighty-five percent (85%) of the loan proceeds to pay off qualifying existing debt directly; or showing proof of sufficient retirement savings, could help you also qualify for lower rates. Funding time periods are estimates and can vary for each loan request. Same day decisions assume a completed application with all required supporting documentation submitted early enough on a day that our offices are open. Achieve Personal Loans hours are Monday-Friday 6am-8pm MST, and Saturday-Sunday 7am-4pm MST.

Home Equity loans are available through our affiliate Achieve Loans (NMLS ID #1810501), Equal Housing Lender. All loan and rate terms are subject to eligibility restrictions, application review, credit score, loan amount, loan term, lender approval, and credit usage and history. Home loans are a line of credit. Loans are not available to residents of all states and available loan terms/fees may vary by state where offered. Line amounts are between 15,000 and $150,000 and are assigned based on debt to income and loan to value. Example: average HELOC is $57,150 with an APR of 12.75% and estimated monthly payment of $951 for a 15-year loan. Minimum 640 credit score applies to debt consolidation requests, minimum 670 applies to cash out requests. Other conditions apply. Fixed rate APRs range from 8.75% - 15.00% and are assigned based on credit worthiness, combined loan to value, lien position and automatic payment enrollment (autopay enrollment is not a condition of loan approval). 10 and 15 year terms available. Both terms have a 5 year draw period. Payments are fully amortized during each period and determined on the outstanding principal balance each month. Closing fees range from $750 to $6,685, depending on line amount and state law requirements and generally include origination (2.5% of line amount minus fees) and underwriting ($725) fees if allowed by law. Property must be owner-occupied and combined loan to value may not exceed 80%, including the new loan request. Property insurance is required as a condition of the loan and flood insurance may be required if the subject property is located in a flood zone. You must pledge your home as collateral and could lose your home if you fail to repay. Contact Achieve Loans for further details.

Affiliated Business Arrangement Disclosure: Achieve.com (NMLS #138464) and Achieve Loans are both wholly owned subsidiaries of Achieve Company. Because of this relationship, your referral to Achieve Loans may provide Achieve.com a financial or other benefit. Where permitted by applicable state law, Achieve Loans charges: 1) an origination fee of 2.50%, and 2) an underwriting fee of $725. You are NOT required to use Achieve Loans for a home equity line of credit. Please click here for the full Affiliated Business Arrangement disclosure form.

Resolution is available through our affiliate Achieve Resolution (NMLS ID # 1248929). All estimates for Achieve Resolution’s services are based on prior results, which will vary depending on your specific enrolled creditors and your individual program terms. Not all Achieve Resolution clients are able to complete their program for various reasons, including their ability to save sufficient funds. Achieve Resolution does not guarantee that your debts will be resolved for a specific amount or percentage or within a specific period of time. Achieve Resolution does not assume your debts, make monthly payments to creditors or provide tax, bankruptcy, accounting or legal advice or credit repair services. Achieve Resolution’s services are not available in all states, including New Jersey, and their fees may vary from state to state. Please contact a tax professional to discuss potential tax consequences of less than full balance debt resolution. Read and understand all program materials prior to enrollment. The use of Achieve Resolution services will likely adversely affect your creditworthiness, may result in you being subject to collections or being sued by creditors or collectors and may increase the outstanding balances of your enrolled accounts due to the accrual of fees and interest. However, negotiated settlements Achieve Resolution obtained on your behalf resolve the entire account, including all accrued fees and interest. C.P.D. Reg. No. T.S.12-03825.

Paid advertisement, not a real member testimonial. Individual results will vary.

© 2024 Achieve.com. All rights reserved. NMLS #138464