Lifestyle

Making Halloween Memories With My Son on a Budget

Family Halloween memories with a child on a budget

Using Savings vs Borrowing

  • Date published: October 28, 2026

Table of Contents

Introduction

Halloween is only a few days away, and for some reason, I am feeling anxious. That surprises me. October 31 is my birthday, and Halloween has always been a holiday I know well. Before becoming a parent, planning something fun for the day or evening usually felt easy.

I also have two siblings who are about 18 years younger than me, so taking little ones to seasonal activities is familiar territory. I have done the family outings, the costumes and the October celebrations. Still, experiencing it as a parent brings a different kind of pressure.

My son is three, and this seems to be the first Halloween when he is fully aware of the excitement. I want him to enjoy his costume and the activities we choose. Somewhere along the way, that simple wish has become a running list of decisions about money, time and whether I am doing enough.

This year, I am working through those feelings by keeping our plans manageable. Borrowing costumes, finding free community events and sharing activities with family have helped. I am learning that I can make thoughtful choices about our budget while still giving my son plenty to look forward to.

Choosing a Costume Without Buying Something New

Over the years, I have bought new costumes, refreshed old ones and made DIY versions. Costumes can take a noticeable bite out of a Halloween budget, especially when accessories enter the picture.

This month, I went through costumes my siblings and I used to wear. Between those options and checking with family, I ended up with two or three possibilities for my son. Having a small child makes borrowing easier when someone has saved an outfit in the right size.

Even with those options, I still catch myself wondering whether I have chosen the right one. He likes everything from the Hulk to Danny Go. I want him to feel excited about what he wears.

But I can let him choose from what we already have. Trying on the options together gives him a say without turning every new character interest into another purchase. Comfort matters too, especially when he will be walking, playing and wearing the outfit for more than a quick picture.

Why This Halloween Feels Different

My son has been singing Danny Go’s “Spooky Spiders,” doing the “Skeleton Shake” and enjoying “This Is Halloween” from The Nightmare Before Christmas. The excitement follows us everywhere.

October has passed quickly, yet this final week feels long because there is so much left to choose from. School celebrations, community events and family plans all compete for the same few days.

Maybe the anxiety comes from knowing how quickly this stage will pass. He is discovering Halloween, and I want to share that excitement. But when I look at every event announcement, I start treating each one like an opportunity we cannot miss.

Before committing to another event, I can check the drive, the time and what we already have planned. Even a free activity takes energy. Leaving an afternoon open gives us room to rest before the next celebration.

Finding Free Events Close to Home

I follow nearby cities, counties, libraries and my son’s school on social media. Those pages have helped me find free or inexpensive activities, including trunk-or-treats and fall festivals.

This week, his school is hosting a free trunk-or-treat and fall festival on campus from 3 to 4:30 p.m. That feels manageable: a familiar setting, a short time frame and a chance to celebrate with his school community.

Last week, my niece’s school hosted a free Día de los Muertos event. Children received a card with space for six stamps and visited learning stations to complete it. After collecting all six, they could get Mexican sweet bread and a hibiscus or horchata drink.

Día de los Muertos has its own traditions and meaning. I appreciated that the event included learning activities alongside the refreshments, giving the children more to experience than simply another seasonal outing.

Earlier this month, we also attended a county literacy event associated with First 5. My son received five free books. There were snacks, a DJ and someone making balloon animals. It was not Halloween themed, but it was another reminder of what local programs offer families.

Keeping Candy Spending Manageable

For candy, I usually compare Sam’s Club and Costco. Buying in bulk can work for our trunk-or-treat plans or when we are handing out candy.

Other retailers may have worthwhile specials, including Target, Walmart, Aldi, Stater Bros. and Ralphs. This year, I simply did not have time to check every store.

I am trying to give myself permission to make a reasonable purchase without finding the absolute lowest price everywhere. Comparing the amount in each bag and estimating how much we need is helpful. Driving around to several stores can add time and fuel costs, especially during an already busy week.

Enjoying Pumpkin Activities Without Every Extra

I never visited pumpkin patches growing up. Before having my son, I assumed they were mainly for families with children, so they were never really on my list.

Now I see the appeal, but I also see how quickly the extras add up. Pumpkins, drinks, snacks and ride tickets can turn one outing into several purchases.

For our pumpkin patch visit, we brought water and snacks and bought a small treat, such as churros, for the kids. Having something with us gave us more choice about what to buy there.

I also coordinated a separate pumpkin painting and carving day with my siblings. We bought pumpkins at Aldi and decorating supplies at Dollar Tree. Gathering the family gave us another way to enjoy the tradition, with more control over the spending and the pace.

That arrangement worked for us: enjoy the patch as an outing, then take our time decorating pumpkins together at home.

Decorating With What the Family Already Owns

My childhood home still had a box of Halloween decorations stored from previous years. My siblings and I went through it and borrowed pieces, so several of us could decorate without buying everything again.

I live in an apartment, which also puts a practical limit on how much decorating I can do. This year, my purchases included window clings, cobwebs and a small $5 projector from Target.

Making a Party Easier With a Potluck

Hosting means thinking about food, drinks, decorations and entertainment, often while trying to enjoy the party yourself. A potluck can spread out both the cost and the preparation.

Guests can get creative with Halloween food presentations, and assigning a general category helps prevent everyone from bringing the same thing. One person might handle a savory dish while another brings dessert or drinks.

One party I attended included both alcoholic and nonalcoholic gelatin treats presented in syringes. It was certainly memorable. For a family potluck, I would choose food-safe serving supplies and keep anything containing alcohol clearly labeled and separate from children’s treats.

Checking Offers Before Planning an Outing

This past weekend, I took my son to the San Diego Zoo Safari Park after learning about Kids Free October. The park’s official page says children ages 11 and younger receive free admission October 1 - 31 with an adult who has valid admission. Adult entry and other outing expenses still belong in the budget.

Chuck E. Cheese in Rancho Cucamonga also advertises Boo-tacular through November 1. Its page lists 500 bonus E-Tickets for children in costume and a coupon for 30 free Play Points with a purchase of 60 or more. The costume tickets expire that day, and a Play Pass card or band is required.

Thinking About the Day After Halloween

I have been tempted to host a Halloween party after the holiday to celebrate my birthday. Everyone could wear a costume they enjoy, and I could look for discounted decorations beforehand.

Seasonal clearance may begin around November 1, although timing, selection and discounts vary by store. I might do it this year or save the idea for my 40th birthday in three years.

For now, my priority is enjoying this week with my son. I want him to wear the costume he chooses, sing his favorite spooky songs and have fun at the events we attend. I am still excited about Halloween being my birthday, too. There is room for both celebrations without filling every hour or buying everything new.

Responsible Lending

This article shares personal experiences and general budgeting ideas. If you consider borrowing, review the loan terms, fees and repayment schedule, and borrow only what you can afford to repay. Visit Cashback Loans for more information.

Halloween Budget Tips at a Glance

  • Set a total spending limit for costumes, candy, decorations and activities before making more purchases.
  • Borrow, swap or refresh costumes first, and let children help choose from comfortable options.
  • Check school, library and city pages for free events, then choose a manageable number to attend.
  • Compare candy unit prices and buy an amount that fits your plans.
  • Budget for pumpkin patch extras, bring permitted snacks and water, and consider decorating grocery-store pumpkins at home.
  • Reuse decorations and choose a few additions that fit your space and storage.
  • Share party costs and preparation with a potluck.
  • Check children’s admission offers and reward promotions, including dates, required purchases and other expenses.
  • Shop seasonal clearance selectively for items you will use again; discounts and availability vary.

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