Because personalized napkins can be quite expensive, there are ways to lower the costs. Instead of purchasing embellishments with your napkins---such as ribbons---consider purchasing them separately and adding them yourself. If you're using the napkins to wrap goodies and appetizers, think about making the goodies at home in your own kitchen to save on costs.
Alternatively, you could print the napkins at home yourself. You'll likely need a specialized printer for such tasks, but if you already have one, you could save a significant amount of cash.