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Real Life on a Budget

6 Last-Minute Money Tips for Valentine’s Day

It’s February and that can only mean one thing for lovebirds across the country: Valentine’s Day is here!

The problem with Valentine’s Day is that people can get so caught up in the hype that they make bad decisions with their money. They spend and spend and spend until the Valentine’s Day bill begins to compete with the Christmas budget.

But I’m here to tell you that you don’t have to spend a ton of money on Valentine’s Day. Yes, you can keep it simple and inexpensive and still have a great time.

How? Here are several tips for making Valentine’s Day special without breaking the bank.

1. Do your research.

If you’re going out to eat on Valentine’s Day, make sure you know what the restaurant is offering before you make a reservation. Some restaurants jack up prices and offer only set menus, meaning you’ll pay a flat rate and have more limited choices on what you can eat. That can get expensive. Do a little research beforehand to know what you can expect to pay.

2. Go out before or after Valentine’s Day.

To avoid those jacked-up prices, go out the night before or after Valentine’s Day. Not only will you save money, but you’ll avoid all the crowds.

3. Choose coffee and dessert.

If the budget is tight but you still want to go out, then simply head down to the coffee shop. Grab a coffee and a nice dessert for you and your date, and you’ll save a lot of money while still enjoying a great conversation.

4. Deliver your own flowers.

Guys, if you’re buying flowers, you’ll pay a lot more through a florist who delivers. Go to a farmer’s market or a local grocery store, buy your own flowers, and deliver them yourself! Chivalry isn’t dead, so prove it! Delivering the flowers yourself adds a romantic touch that your date will love.

5. Stay at home with a movie.

Sure, it’s not that creative, but you’ll still have a lot of time to talk and spend time together. Pop some popcorn, watch a movie on Netflix, and you’re good to go!

6. Invite friends over and cook.

When I was single, my group of friends used to get together on Valentine’s Day and cook a big meal. Besides being a lot of fun, this is a great way to save money because each person is only responsible for one thing. And, even if you don’t cook—well, I’m sure you can bring dessert.

Valentine’s Day is only as expensive as you make it.

The quickest way to ruin a perfect date is to overspend and make bad decisions with your money. Remember, the relationship is what’s important—not where you eat for dinner!

Enjoy this Valentine’s Day by staying on a budget and avoiding credit cards at all costs!

What are your tricks for saving money on Valentine’s Day?