A lot has changed in the past two years: a college degree no longer guarantees you a job, birthday presents from your parents now consist of one more month of health insurance and a couple packets of Starbucks Via, and extravagant Halloween costumes purchased online are just a fond memory.  So, what is the fabulous and frugal Halloween lover to do? Here are my tips for creative costumes straight from your closet. Stepford Wife:  Combine a pastel cardigan, floral dress and nude heals.

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