Tips for the Valentine on a Budget - from CESI Debt Solutions
Valentine’s Day is fast approaching, leading Americans to spend like crazy to impress that special someone. CESI Debt Solutions suggests that this year people channel their own hopeless romantic side to combat excessive spending over the holiday, while creating everlasting memories—minus the price tag.
My personal favorite is what Neil Ellington, executive vice president of CESI Debt Solutions, plans to do for his wife: “My Valentine’s gift for my wife this year is a Valentine card she gave me 10 years ago that I have saved,” said Ellington. “I am adding a note to say ‘I love you the same as I did 10 years ago’.”
Can't Buy Love
It seems that everyone is on a budget this year. The recession has curbed America's spend-happy ways, and we have all gotten a little wiser about how we use our money.
Even in matters of the heart, it looks like Americans are cutting back. The National Retail Federation reports that sweethearts will spend about $20 less this year than last on their Valentines, but the bill will still average close to $100.
"I don't call that cutting back. That's a lot of money, and I imagine many people are putting it on credit cards," said Neil Ellington of CESI Debt Solutions. "Many people will not have paid off their bills from holiday shopping when they start spending on Valentine's Day."
Ellington urges sweethearts to be creative this year and look for ways to celebrate Valentine's beyond the traditional dinner out, candy and roses.
Daytime Dates
Instead of a romantic dinner for two, consider a leisurely Saturday lunch. You can enjoy the ambiance and food at a favorite restaurant for a lower price, and then head out for an afternoon activity you both enjoy.
Love movies? Take advantage of less expensive matinee prices. Enjoy literature? Buy a coffee and browse in a bookstore, or even head to your local library. Love travel?
Be a tourist in your own town and check out a museum, park or visit a historic site.
Acts of Love
Sometimes the best gifts don't come in a box. Is there something you can do for your spouse or loved one to show you care? Take the kids for the day to give your spouse time at home alone. Clean their car. Cook a great meal. Make homemade cookies.
It's the Thought that Counts
If you can't let Valentine's pass without giving your sweetie a gift, challenge yourself to consider things that are under $20. A book of poems or quotations. A photo book of pictures of the two of you. Something from a second-hand store such as a money clip, cuff links or ring dish. A DVD of a classic movie -- think Casablanca. Best of all, an original love letter.
"It's easy to let holidays like Christmas and Valentine's lure you away from your financial goals and your budget," said Ellington. "Of course we all want to show our loved ones we care, but that should not require breaking your budget and making poor spending decisions. Giving on a budget requires a little more creativity and thought, and in the end it can make for a more meaningful way to spend Valentine's Day."
Are you single this Valentine's Day? Ellington has some tips for you, too
"An issue that people should think about when they are dating is that they want to be an attractive mate financially," said Ellington. "You want to have your financial house in good order going into a long-term relationship so you aren't bringing crippling financial baggage with you."
You never know when cupid will strike, so Ellington encourages people to prepare now, so that they're ready.
"Usually people don't address financial issues until it's too late," said Ellington. "It's like someone waiting until they have lung cancer to stop smoking."
Add Your Comment
About the Author
Nicole PlescherI am CESI's Web Administrator. While this may sound like somewhat of a geeky title, I do a lot more than program! I get to interact with clients and our counselors to help them reach their financial goals through internet support. I am 25, newly married, just purchased my first home, and I LOVE my job!
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About CESI
CESI is a not-for-profit organization for consumers in search of financial independence and freedom from debt. We offer a wide range of services from debt management to credit counseling to financial education. And We're dedicated to helping you find the debt solutions that work for your situation. More...
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