Buy cheap but useful Christmas gifts this year. Purchase a discount card for year round savings. Make a photo collage or drawing portrait. Restore and give away old furniture.
Raid the clearance sales after the holiday for cheap Christmas decorations. Buy lights and ornaments in bulk at wholesale website or head to your nearest dollar store.
Halloween usually calls for having a really scary night with the perfect horrific costume. But when budget is a bit tight, it would be better to opt to make cheap Halloween costumes with materials that can be purchased at thrift stores and discount shops.