10.27.2025 By Amy Miller, AFC®

Don’t Let Scary Spending Haunt Your Savings This Halloween

Between costumes, candy, and decorations, it’s easy for spending to creep up on you like a ghost in the night, but with a little planning, you can enjoy the holiday without frightening your budget.

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Halloween is full of fun, frights, and sweet treats but it doesn’t have to be a nightmare for your wallet. Between costumes, candy, and decorations, it’s easy for spending to creep up on you like a ghost in the night, but with a little planning, you can enjoy the holiday without frightening your budget.

Here are a few “boo-tiful” ways to celebrate without breaking the bank:

DIY Your Costume: Skip the pricey store-bought outfits and get creative with what you already have at home. A little face paint or a clever twist on everyday clothing can make for the most memorable (and wallet-friendly) costumes.

Shop Smart for Treats: Candy sales often start well before Halloween. Buy in moderation so you don’t overspend, and remember, it’s okay if you run out before the night is over.

Spooky (and Free) Fun: Haunted houses and pumpkin patches can add up. Instead, carve pumpkins at home, host a scary movie night, or take a walk to enjoy your neighbors’ decorations.

Set a Spending Limit: Before you spend, decide how much you’re comfortable allocating to Halloween fun. Treat your budget like your “ghostbuster”……..keeping scary overspending away.

 

At the end of the day, Halloween is about making memories, not money scares. By planning ahead and choosing intentional spending, you can keep your savings goals alive and well, long after the candy is gone.

Saver Challenge: Any leftover cash you didn’t spend on Halloween? Give your savings a treat and deposit it straight into your savings account!  And then tell us how you did it by submitting a Saver Story here:  Submit Your Saver Story | America Saves (we’ll give you a $50 gift card as a thank you if we feature your story.)

Happy (and wallet-friendly) Halloween from America Saves!

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