Halloween is supposed to be about fun scares—not the frightening kind that shows up on your credit card statement in November. This year, Americans are expected to spend a record $13.1 billion on Halloween according to National Retail Federation, with the average person shelling out $114.45, nearly $11 more than last year.

Between candy, costumes, decorations, and parties, it's easy to get swept up in the seasonal spirit and overspend. But here's the good news: You can enjoy Halloween without letting it haunt your budget. It's all about celebrating with intention, not impulse.

Why Halloween Costs Are Higher This Year

Tariffs are hitting decorations and costumes, chocolate prices have more than doubled since early 2024, and there's growing pressure to "go big" with full-size candy bars and elaborate displays. In fact, 79% of shoppers expect higher prices this year.

Tip: Knowing costs are up can actually be freeing. You're not imagining it—things really are more expensive. Give yourself permission to scale back without guilt.

Don't Let FOMO Drive Your Spending

Halloween marketing is designed to trigger your fear of missing out. But before you buy that $50 animatronic decoration or premium costume, ask yourself: Will I remember this purchase next year, or will I remember the laughter and memories?

Tip: Pause before buying and ask: "Do I genuinely want this, or am I just afraid of missing out?" That five-second check can save you serious money.

Set a Realistic Budget (And Stick to It)

Break down your Halloween spending by category: candy, costumes, decorations, and party supplies. Choose a total amount you can afford without stress - whether that's $40 or $120 and commit to it.

Tip: Nearly half of shoppers started buying in September. If you shop early, stick to your list to avoid impulse buys that blow your budget.

Shop Smart, Not Hard

Where to save:

• Shop discount stores (42% of consumers do for good reason)

• Buy bulk candy at warehouse clubs

• Skip limited-edition items that cost 2-3x more for fancy packaging

Budget-friendly alternatives:

• DIY costumes from your closet or thrift stores

• Focus on 1-2 statement decorations instead of covering every surface

• Host a movie night instead of buying expensive haunted house tickets ($10-$100+ each)

• Carve pumpkins for affordable, festive decor

Keep Your Holiday Spirit High and Your Costs Low

Halloween spending hit a record high this year, but yours doesn't have to. The best Halloween isn't measured by how much you spend - it's measured by the memories you make and the fun you have along the way.

Tip: Write down your Halloween budget right now and share it with someone who can help keep you accountable. Your November self will thank you.

The scariest thing this Halloween shouldn't be your bank statement. Celebrate smart, spend with intention, and enjoy the season without the financial hangover.