My daugher is getting more confused too. She wants to go trick or treating but is asking questions as to why the people at the meeting says it's bad and the other kids there can't go.
Different people view things differently, some people think it is okay to trick or treat, some do not. The attitude witnesses take with Halloween can also be found in many Christian churches as well. Tell her you think it is okay if she wants to do it.
Are you in charge of your finances? You should be if you alone are making all the money. Pay what bills you can and cut off non essential things. For me, something non-essential might include a cell phone plan that my wife and I have. If she starts making her own money, she can buy her own plan. That is just an example, your mileage may vary.