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What's ‘Love’ got to do with it?

by:
Karina Arancibia

It's in the air, we can all feel it --- the special month is here. That romantic Valentine’s Day. The message is everywhere, “Love is in the air”.

Did you know that approximately 150 million Valentine's Day cards are exchanged annually, making Valentine's Day the second most popular card sending holiday after Christmas?

Do you find yourself stressing over this occasion? Like any other celebration, the idea is to enjoy it. The most popular gifts are cards, flowers and candies or chocolates and the average gift for that special valentine in North America averages $180.

Most people tend to be emotional spenders and think with their heart instead of their wallet even while enrolled in a debt management program. This is not a competition and spending more or less does not really show how much you love and care for that special someone. I personally don't enjoy the busy malls and long line ups in days like this. Are we turning into a society of spending and buying 'stuff' to express our emotions?

Paying off debt should be a priority so how about getting a little creative and finding different ways you can surprise your partner? Ask yourself, when did you have the most special time with your partner together? Was it during a Valentine’s Day? Giving your time and talents are very valuable and special gifts as well. Things like cooking a nice dinner; maybe you both enjoy a hobby together; or a walk --- surprising your loved one with a gesture of love and care.

There is a book called, "The Five Love Languages" that explains how we all express and receive love in different ways. These are: gifts, quality time, words of affirmation, acts of service, and physical touch. Have you figure out yet what your partner likes?

Let's avoid the typical mistakes we could make when we let our heart spend our money.

  • Plan ahead; avoid buying out of impulse. Please consider who you are buying for.
  • Make a budget for the occasion. Yes it’s not that difficult; after you plan you'll have a better idea how much you'll need; if you’re not sure, go back to item one on this list.
  • Don't just run to the store and buy 'stuff' at the last minute; now how many times that 'stuff' just sits there collecting dust. 
  • Put a little thought into it. Make it meaningful and special for the moment, rather than expensive and useless. Remember to get a gift receipt.
  • Make a little time to do some comparison shopping; this could save you a lot of money.

You’d be surprised at what your partner likes or wants and it could simply be your time.

Make Valentine’s Day a special one for you and your partner. Don't let the magic be lost just because you didn't swiped that debit card or credit card enough times. We all express love in different ways and it doesn't mean fogetting to manage your debt. What's love got to do with money anyways!!!  Are we confusing the two?

 

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