Target, Etsy, Amazon and sales at craft stores allow me to stay within budget. Plus it's fun to check out what's on sale and stock up!
Sometimes I wait to decorate my daily page till the morning. I like them have an individual look.
I purchased these holiday ribbons not knowing I would use them in my planner. They were $1 from Target Value Section.
I even took a binder and decorated it. No cost to me. I used scrapbook supplies for the cover.