What my mother did when she was getting divorced from her first husband, had a retail job, no money and a kid..was start a tradition...getting the tree on Christmas Eve, they're usually 1/2 off. Many of the ornaments in our family are homemade snowflakes, made from Christmas wrap too.
The tree is brought down on New Year's Eve and was burned as a part of the New Year's celebration. My husband & I changed this to: buying the tree on Christmas Eve, leaving it up til New YEar's Eve, sawing a log off the bottom of the trunk, and then following the rest. The trunk piece is burned when the next new tree is put up, Christmas Eve the following year...it makes it more special, and doesn't cost us a dime.
So, buying on Christmas Eve (if you can afford it at all), making ornaments, and keeping the tree up thru New Year's.
Judi