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5 Cheap Ways to Decorate Your House for Halloween Night

October is upon us, with its pumpkins, apple cider and brightly colored leaves. Soon enough, trick-or-treaters will be wandering up and down the streets, knocking on doors in their adorable costumes and hoping for a special treat.

It can be a lot of fun to plan a few surprises and mild frights for those who come to knock on your door, both for the little ones and for the older children and adults. Many surprises, however, cost real money. Here are five great ways you can prepare your home for trick-or-treaters without spending more than a dollar or two.

[See: 9 Scary Things Consumers Do With Their Money.]

1. Make a big leaf pile … and hide a surprise inside. If you have trees in your yard, it’s a great idea to rake those leaves together into a big pile before trick-or-treaters arrive.

If nothing else, you can put up a small sign encouraging kids to jump in the leaf pile. After all, there are few things more fun than a running jump into a giant leaf pile.

[See: 10 Frugal Ways to Save This Fall.]

On the other hand, you can take advantage of the leaf pile to plan a fun surprise for some of the older children (and even the adults). Shortly before trick-or-treaters come out, bury an older child or a grown-up in a leaf pile that’s fairly close to the sidewalk. Give them a little bit of room to watch who is coming. When a big kid or adult is walking by, the person in the leaf pile can jump out and give them a good, old-fashioned fright. Bonus points if the person in the leaf pile is dressed like a zombie or something scary.

2. Make spiderwebs out of garbage bags. Ever wanted to cover the front of your house in spiderweb patterns? Garbage bags are actually perfect for this. You can easily make a giant spiderweb out of a garbage bag or two for just a few pennies.

Just cut off the drawstring along the top, then cut one side and the bottom edge, so that you have a giant sheet of plastic garbage bag material. Then, fold it in half over and over again until you have a small “wedge” shape. Tape together the side that isn’t a fold, then cut some large pieces out of the plastic with some sharp scissors, like you would do with a snowflake. When you’re done, unfold it and you’ll have a giant black or white spiderweb.

For full instructions, check out this article from HGTV.

3. Hang some “ghosts” from your tree. Simple ghosts for your front tree can be made out of anything, but old lightly colored bedsheets are perhaps the best option. All you need is an old sheet, a soccer ball or basketball, some fishing line and a needle.

[See: 12 Habits of Phenomenally Frugal Families.]

Wrap a piece of sturdy fishing line around the soccer ball at various angles, so that you can support it from a single line in the middle, then use your needle to stick that twine through an old bedsheet. Tie the line to a tree branch outside and you have yourself a ghost. You can easily pin eyes on the ghost, too.

I find that the ghost looks best with a gentle breeze, so hope for a breezy night or plug in a fan nearby to make the air move a little.

4. Put a (plastic) spider in the treat bowl. One classic trick is to simply go to a craft store or a party supply store and buy a big plastic spider for a dollar or two. Take that spider and put it in the bottom of a big bowl that you use for candy, then pour the treats on top.

As children start taking the treats during the trick-or-treat night, they’ll eventually uncover the spider and get a good fright. You can repeat the trick by just adding a few more treats to the bowl and covering the spider up again. This is a great “mild” trick that’s a lot of fun, even for children.

5. Put a scarecrow in the front … with another surprise. This takes some preparation, but it’s a brilliant trick-or-treat tactic.

Scarecrows make for great trick-or-treat decorations on their own. All you need to do is stuff some old clothes and maybe an old canvas bag with straw (you can usually find a bale of straw at a farm supply store for a few bucks) and position the scarecrow in a chair in front of your house.

If you really want to amp things up, though, make a “human” scarecrow. Dress someone up in old clothes with a bag over their head (with a hole to breathe through, of course). Stuff a bunch of straw into the edges of their clothes, gloves, and shoes and have them sit slumped in a chair. Then, every once in a while, have the scarecrow sit up straight and say, “Boo!” It’s a fantastic and simple way to give people a good fright.

All of these tactics cost just pennies (or a few dollars at most) and can add a ton of Halloween flavor to your trick-or-treat night.

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5 Cheap Ways to Decorate Your House for Halloween Night 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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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. 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