Here are a few low-no cost things off one of my lists of things to do this month.
This is a great time to gather fall leaves (often already shredded and bagged by considerate neighbors, they are so sweet to set them out for me!) for compost or mulch. Between my thoughtful neighbors leaves and a horse farm nearby, we'll be able to blanket both gardens with compostables and have a nice pile for spring application too.
It doesn't take much effort or $$ to make or repurpose something to make a cold frame or cloche for winter growing.
Start seeds for long season things (onions, some herbs.
Bring plants inside or start some to improve indoor air quality.. the increase in oxygen and air filtration is crucial for times when getting fresh air is difficult.
Split firewood, gather kindling bundles, make firestarters (paraffin dipped pinecones dyed with candle stubs are my favorite, or the dryer lint/wax in egg carton trick).
Plant or divide perennials/fruit trees
Put up storm windows, film sealant(for windows that don't have storms), more
insulation and caulking to reduce heat loss, put up heavy curtains on some windows. Put down winter rugs (we go with bare floors in summer, but would freeze in winter without the rugs).
Mending (sigh, I hate mending, but it needs to be done).
There are loads of things to do that only take time and a minimum of expenditure.