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Simple & Cheap Last Minute Halloween Costumes

Do you have a few Halloween parties to attend and need different costumes for each? Maybe you forgot to come up with a costume and are in a lurch. Either way, it’s important to shop smart and avoid credit card debt. Last minute Halloween costumes can be easy and inexpensive to pull off. Plus, you can maintain your debt management progress.

last minute halloween costumes

These last minute Halloween costumes help you avoid scary credit card debt.

5 Easy Last Minute Halloween Costumes

Unless you are a costume genius, I think most people struggle to pull off their costume ideas. If you are late to the game, there’s even more reason to keep things simple. Use some of these last minute Halloween costumes to save money and time.

Old-Timey Bank Robber

A bank robber is basically just a stripped black and white shirt or simply a black shirt, plus black pants. Add a hat, ski mask or simple eye mask to top off the outfit. For extra points, add some gloves. You don’t want to leave any fingerprints! This is similar to a mime costume without the white face paint.

Tourist or Bird Watcher

Another easy costume is a tourist or bird watcher. Accessories include binoculars, fanny pack, book bag, note book, camera, maybe a scarf or hat. Add a t-shirt with a fun destination and you will be all set. Either way you take this one, your wardrobe can be simple t-shirt and jeans or khaki pants. You likely have these clothes already, so it’s incredibly easy to stay on budget with this costume.


A ninja costume can be really simple too! You need an all black outfit. Long pants, long sleeve shirt, ski mask and shoes should all be black. A costume ninja sword is needed to sell this one. If you are crafty, try to make your sword out of cardboard and paint.


Do you have a trench coat? Then you are halfway to becoming a detective. A cool hat, sunglasses and a magnifying glass are some of the accessories to consider to complete the outfit. Use some classy business pants or trousers and a professional shirt. That way you still look the part without the coat.

All of these costume ideas need very little support outside of a typical wardrobe. Check out thrift stores and ask friends to reduce costs on the things you are missing.


For those of you with sports team gear or your own athletic wear, put them to more good use by using them for one of your last minute Halloween costumes. Think about headbands, socks, shoes, earbuds, and a few layers to keep you warm if you’ll be outside.

If you’re struggling to pay off debt, schedule a free credit counseling session with us today. 


Michelle is a regular contributor to Talking Cents. She has taken several financial courses on debt management and is ready to circulate what she has learned from them as well as lessons from her own life- family to DIY projects to student loan debt.

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