Perhaps try YouTube classes. We don't spend any money on co-ops or classes. Are there any free community classes in your area or at the library? What we did was run free classes ourselves. I run some at my home and some at the local library -- business classes, etc. so my kids have other kids to have classes with. Also, I babysit once a week and make sure it doesn't disrupt our schedule much. But what really brought in income for us was to sell furniture that we got for free. Sometimes, it doesn't need to be large furniture -- just items that people put out on the street and free items on Facebook marketplace
If there's one thing I know about kids rooms, it all boils down to making memories, not the actual outcome. No matter how nice something is, if the preparations were filled with arguments, it would bring bad memories. And no matter how terrible something looks, if it was made with love, it would bring good memories.