Here are a few ways to lower the cost of your project by taking on certain tasks yourself.
Do the wood chipping yourself. You may want to hire a professional to cut down the tree. But once cut down, you can cut the wood into smaller pieces to use. Or, you can sell it as firewood.
Compost the wood and leaves. You can eliminate the cost of having someone remove the lumber, branches and leaves. Compost the smaller twigs and leaves, and use a chipper to create mulch for your garden.
Improve your garden design. Use bigger branches and logs to build raised beds to grow vegetables, herbs and flowers. You could also use the wood to create borders or edging.
Take on the task of killing or removing the stump yourself. You can dig it out, use chemicals and other tactics to get rid of your stump without paying someone to do it.