As October half-term stretches budgets, it's easy to go overboard with spending on food, travel and social plans.
While it seems every kid is out at an overpriced pumpkin patch or at an expensive attraction, that's not necessarily the case, and there's plenty of fun you can have at home or out at free parks or local sites.
Whatever your budget, there are simple ways to enjoy the holiday, Halloween and Bonfire Night without breaking the bank.
Plan activities in advance
"While days out at attractions can be exciting, costs can quickly add up," says Creditspring consumer finance expert Tamsin Powell.
"Plan ahead and book tickets early to avoid last-minute price hikes, or look for free local events organised by your council.
"At the same time, remember that fun doesn’t have to come with a price tag. Cooking, baking or creating with your kids at home can be just as engaging as an expensive day out."
Swap or share with other parents
"With childcare costs reaching record highs, parents and carers can benefit by turning to community-based solutions to share the load. Organise activities or playdates to go halves on costs.
"Board games, park meet-ups, sleepovers are all cheap activities that your children will enjoy without breaking the bank.
"Informal ‘childcare swaps’ in which parents take turns looking after each other’s kids can help ease financial pressure while giving everyone a well-earned break.
Halloween on a budget
Costumes and decorations are as enjoyable (if not more so) when the kids get to make them themselves.
Get creative with DIY costumes, use items you have at home or swap outfits with friends. Explore Facebook marketplace, Vinted, and your local charity shops for cheap costume finds.
For trick-or-treating, buy sweets in bulk from supermarkets rather than corner shops.
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Travel and save
Plenty of deals are available to help you save. Travelling into the capital? Make sure to take advantage of 2 for 1 train tickets.
If you don’t already have a railcard, purchase one for £70 and before long it’ll pay for itself as it takes ⅓ of the price off any train tickets. If you live in the capital, make sure it is attached to your Oyster to save ⅓ in peak hours.
You can also save money with split ticketing via websites like Trainline which can knock significant costs off.
Use your discounts and rewards
Whether you’re a worker or a regular shopper, you should utilise any perks available to you.
NHS staff and teachers can use the Blue Light Card to save on food, clothing, and activities, while supermarket loyalty cards like Tesco Clubcard, Nectar, or Asda Rewards can quickly add up. Check if your points can be converted into vouchers with reward partners too - many supermarkets offer double the value to use across restaurants and activities, so you might be able to enjoy a dinner out or family treat for much less. But remember, points often expire within a year.
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