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6 Last-Minute Tactics for a Cheap Halloween

Halloween is just a few days away. Whether you’re a parent with children who plan on trick-or-treating or anticipate a number of costumed children coming to your door with big smiles on their faces, Halloween can be an expense that sneaks up on you.

Here are six simple strategies to handle last-minute Halloween costs.

Make your own simple costume. My daughter is going to be a witch this year. The only piece of the costume that’s “new” and not something we could just find around the house and assemble in a few minutes is her hat. Her black and purple nail polish and a touch of black mascara? Pilfered from her mother’s collection. The apple she’ll offer to people? Taken from the fruit bowl. Her dark purple dress? Pulled straight out of her closet.

What about my oldest son? He’s a ninja. This basically just requires a few of his toys, a black sweatsuit and a black face mask. We could pull this together in 10 minutes on Halloween night.

What about me? I’m wearing a long scarf, a brown coat and a floppy hat, making me look like The Doctor from “Doctor Who.” I don’t need any additional props.

Look around your house. It may contain everything you need for a last-minute, do-it-yourself costume.

Swap costume pieces with friends. If you have an idea for a simple costume and don’t have the pieces at home, don’t head to the store. Call a friend instead. Your friend might have black makeup or the perfect prop to finish off a costume. Even if your friend doesn’t have the item, he or she might have a brilliant idea for a substitute or might have another friend who would have just the item you need. Trust your social network.

Save extra candy for next year. If you choose to go the candy route and find yourself with a bunch of leftovers, save that candy for next year. Don’t leave it out where you can mindlessly gobble it down. Instead, stick it in a dark space, like a drawer or a cabinet somewhere, in a well-enclosed package so that it doesn’t get stale. (This works best with nonperishable candy like suckers.) Since I tend to forget about things like this, I’ll add a reminder to my personal calendar that last year’s candy is stowed away in the tall cabinet in the garage and set that reminder on next Oct. 25 or so.

Hand out something besides candy. You don’t have to drop $10 or $20 on overpriced bags of candy (of which half will probably wind up in your cupboard as leftovers). Instead, go get a big roll of stickers or a giant bag of plastic monster teeth, and hand those items out to the trick-or-treaters instead. Those kids are going to get lots of candy already. Offering something a little different will not only save you a few dollars, but it will also add some variety to the children’s bags and make your treat accessible to children with food allergies.

Use an alternative trick-or-treat bag. There’s no need to rush to the store and spend money on a plastic or cloth bucket. Just use a pillow covering. It will hold all the candy the children will receive, is easy to carry at the side or over the shoulder, and can go back to be used for covering pillows when the children get home.

Buy pumpkins from the grocery store. If you want to put a pumpkin or two on the front step for decoration, choose one from the grocery store instead of heading out to a pumpkin patch. The prices are almost universally lower on the pumpkins, especially if you include the discount grocers in your area. Plus, it’s a lot easier to snag one at a grocery store the day before Halloween than it is to find a pumpkin patch with reasonable prices.

Be creative with pumpkin illumination. You don’t have to buy a candle or some sort of wiring to illuminate your pumpkin when you have other options. Do you have an old glow stick around your house that you’ll probably never use? Snap it open, and toss it in the pumpkin for some unusual color (tip: wrap a paper towel loosely around it to diffuse the light and make a better “glowing” effect, though your mileage may vary depending on the pumpkin and your glow stick). Better yet, just grab a short string of white LED Christmas lights out of the garage, and wind them up inside the pumpkin.

These tips can save you the expense of a last-minute run to a high-priced store on Halloween and can also set you up for savings in the future. Trick or treat!

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6 Last-Minute Tactics for a Cheap Halloween originally appeared on usnews.com

Don’t Settle for Student Loans to Pay for Online Education

Online college programs are becoming a more popular choice for prospective students, with one study finding that more than 6 million students enrolled in at least one online course in fall 2015. The popularity of these courses can be attributed in part to their flexibility with working adults' schedules, students' ability to progress more quickly through online programs and, oftentimes, cheaper tuition. [See 10 low-cost online bachelor's programs for out-of-state students.]Online degrees can be beneficial to many college students, but some studies have shown online learners complete their programs at lower rates than students at traditional brick-and-mortar campuses. Individuals with student loans but no degree comprise two-thirds of defaulted borrowers. Though these numbers are not encouraging, just like for traditional programs, there are ways to reduce how much you'll need to borrow for an online program to ensure you won't become one of these statistics. 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Not all students enrolled in online programs are eligible, but students at some schools -- including, for example, SUNY Empire State College and Liberty University -- are. Work-study awards are not given upfront like scholarships and grants. In most cases, they are an offer to earn up to the awarded amount if you secure an eligible work-study job. While there is a misconception that all work-study jobs must be on campus, students can work for off-campus, nonprofit or public employers as long as the work is in the public's interest. You may be able to work for a for-profit employer if the job is relevant to your course of study. No matter who the outside employer is, it will need to have an established agreement with your college for you to receive work-study funds. Remember, to be eligible for federal financial aid, you must be enrolled and pursuing a degree or certificate. If you're not working toward a credential, Pell Grants and work-study won't be option, but you may still be able to take advantage of private scholarships -- just be sure to read the eligibility criteria carefully. [Explore what to know about financial aid in online programs.]-- Pay as you go: One of the great benefits to enrolling online is the flexible schedule, which can allow you to complete your college coursework around your responsibilities. But prospective students often overlook using their part- or full-time job earnings as an option for paying for college. Almost 80 percent of college students in 2015 worked at least part time while attending classes, according to the National Center for Education Statistics. By budgeting and thinking strategically about your college costs, you can likely reduce your dependence on student loans by paying a portion out of pocket. Many -- but not all -- online programs are less expensive than traditional programs and often have shorter payment periods. Six, eight or 10 weeks are common course durations. Because of the frequency of payments in an online setting, you may be well-placed to pay as you go and possibly avoid borrowing altogether. Attending college online and avoiding student loans may be challenging, but if you are willing to put in the effort, you can limit the amount you need to borrow. More from U.S. News Q&A: Understanding Student Loan Discharge Eligibility Student Loan Refinancing Isn't Right for All Borrowers
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