February 11, 2019 | By: Sandra Sherk

How to Celebrate a Budget Friendly Valentine's Day

Budgeting | Valentine's Day

Your Valentine’s Day budget doesn’t need to be big. Special days like Valentine’s Day can add pressure to an already stretched budget. Many people feel they have to spend money to show their loved ones that they’re appreciated and special. We can all celebrate Valentine’s Day without going into debt. This can be done by creating a monthly budget — and sticking to it. 

Practice Good Spending Habits and Avoid Valentine’s Day Holiday Debt

Retailers love the holidays, as they tend to put people into the shopping and spending mood. Is that what special holidays are really about though? Is Christmas about how many presents are under the tree, or Easter about which child has the cutest spring dress? Or does your fella love you more because he bought you a dozen red roses, instead of just one perfect one? Giving into holiday spending pressures can really rack up a lot of credit card debt and quickly.

If you want to enjoy Valentine’s Day without worrying about your March credit card bill, there are a few things you can do.

How to Enjoy Valentine’s Day without Going into Debt - 8 Affordable Ideas

  1. Keep it simple. It shouldn’t take a fancy dinner or a night away to show how much you care for another person.

  2. Cook for someone you love. A special gift for the person who always makes dinner is to have someone else cook instead. Consider making Valentine’s dinner, and if you have kids, maybe get the kids involved too. It doesn’t have to be elaborate when it comes from the heart.

  3. Card alternatives. Buying a nice card can set you back as much as $10 if you go to a fancy card store. For some it’s worth the cost, but for a lot of us, a nice handwritten letter or note can be worth so much more. You can also find beautiful cards at the Dollar Store versus spending big bucks at the card store. After all, many people throw the cards away after a couple of weeks. You can also consider making your own card like you did when you were a kid.

  4. Use gift cards. Funds are often tight this time of year thanks to all the Christmas credit card bills, so why not ease the pressure by using some of the gift credits you received over the holidays? This is the perfect time to use that movie pass for two, or that multi-restaurant gift card you got from your boss. If you have a mall gift card, you can still find something special for your loved one with a bit of creativity and thoughtfulness.

  5. Use your points or Air Miles.  If you have points or Air Miles that can be redeemed for meals or special gifts, now can be a great time to use them. Some reward programs offer spa day packages, wine country tours, or tickets to special events, like the ballet or concerts.

  6. Celebrate at home. If you and your sweetie know there isn’t much money to spend on a fancy outing, plan an evening in instead with an inexpensive bottle of wine, some cheese and crackers and a small package of some delicious chocolate. No debt and no RIDE checks.

  7. Don’t compare yourself to others. The person in the next office or cubicle at work may have spent a ton of money on Valentine’s Day, but that doesn’t mean he/she loves their partner anymore than you love yours. You also don’t know if they are losing sleep at night because of their mounting debt.

  8. Be you and celebrate your way. Do what is right and realistic for you and enjoy being with the one you love (or really like). That is what romance is really all about.

A Personal Story: Celebrate Being Together, Not Where You Go or How Much You Spend

I have a friend who met her special guy at university. Their first Valentine’s dinner was at Mother’s Pizza restaurant. They had such a good night, it became a tradition for them and Valentine’s Day dinner was always spaghetti and pizza. Many, many years later they are still together. (Mother’s Pizza on the other hand wasn’t as fortunate and didn’t survive.)

When their kids were very young, they made spaghetti and pizza at home every Valentine’s Day instead of going out and getting a babysitter, and as the kids got older, they all went out for their special meal. Now it’s back to just the two of them and even though they could afford a fancy dinner, they like spending Valentine’s Day at a local inexpensive restaurant that serves spaghetti and pizza.

The lesson here is that they celebrate being together, not how much they can afford to spend on each other.

Avoid Spending More than You Have with a Valentine’s Day Budget - Ask for Help if You’re in Debt

If you make a Valentine’s Day budget, you can avoid the burden of over-spending and not having enough money for essentials. Don’t be afraid to talk to your partner about what to expect for Valentine’s. And with your partner or on your own, don’t be afraid to ask for help if your finances are stressing you out or if you're struggling with debt. Our certified credit counsellors at Credit Canada can assist you in dealing with your financial concerns. We can get you back on track, so you are able to enjoy special days for many years to come. Give us a call at 1.800.267.2272 for a free, non-judgmental and confidential appointment. We are here to help.

Our Certified Credit Counsellors Offer Free, Non-Judgmental and Confidential Advice


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