Okay, first things first. You're going to need a lot of candles. Just buy all the candles you can afford. Grownups have candles, it's just a fact of life. You can get a fake wreath from the craft store for a couple bucks. OR! Just grab some shrubbery from outside and put it on your table in a circle. Instant wreath!
A box of salt is like three dollars and it lasts you forever. Glue some of it on the outside of a jam jar and BAM. It's snow! Tie some green stuff and some red stuff around the rim, pop a candle inside, and you are basically Santa.
You can put literally anything inside these fancy clear ornaments and it will instantly transform them into something beautiful and magical. A stick! Some cotton balls! Kitty litter! It works with everything.
This is probably the fanciest ornament option. You can put them in a shadow box and say it's art. Also, it only requires four ornaments. You could also just print out a picture of ornaments and put that in a regular frame, but only if you're truly desperate.
Thanks to all those candles you bought, you'll need a lot of matches. But don't throw the empty matchboxes away! Make them into an adorable Christmas tree advent calendar. Fill it with free dinner mints from restaurants!
Toilet paper is expensive! You should really be using every part of the roll. Just cut the tube into little tubes and glue them together in a circle. If you want to get really fancy, tuck some bells in there. Or, I don't know. Acorns?