Use one or more of these words in your title: Credit, Crunch, Money, Broke or Free - 10 points. Old Stash (From at least last year) - 5 points.
Use a recycled/painted/old element - 5 points each up to a max of 15
The only thing I didn't manage was the painting as I don't have any paint (except gloss for my window sill!!) Here's what I came up with.