Romance Without The Price Tag

John Vaughan (Financial Advisor) @ Lucid Living

Romance and good financial management can indeed go together so this year keep within budget on Valentine’s Day to make sure you don’t increase your debt

Romance is less about being extravagant and more about being bold. For example: you could buy her two dozen red roses and have them delivered to her work OR you could welcome her home wearing nothing but a rose. It’s the lengths you go to, not the Rands you go through. This Valentine’s Day, make it special for you and your significant other by keeping the celebration as frugal as it is romantic.

Indeed, an inexpensive Valentine’s Day date usually means something you have to plan yourself; something that requires more thought than just making a purchase at the jewelry store. Keeping your romantic celebration on a budget forces you to be more thoughtful, more creative, and indeed more romantic.

With all that in mind, here are some ideas for a thoughtful Valentine’s Day celebration that shouldn’t force you to break out the credit card:

• A home-cooked meal. This holiday is a good excuse to try something completely new. Instead of dessert from a box, look up a recipe and try to make sweets for your sweetie entirely from scratch. You can even work on this together if food and cooking are things your loved one enjoys. Part of the fun can be trying a new recipe together. The internet is full of recipes, tips, and techniques. Take advantage of a special occasion to expand your boundaries.

• Movie night. Again, use the holiday as an opportunity to expand your boundaries. Cozy up with your loved one and watch a foreign film, or an old classic you’ve never seen. Make the night different from every other night you watch television together, and it will be special, whether you spent a lot of money or not. There are lots of great movies to rent from the Library for free.

• Get out together. If you live in a part of the country where Valentine’s Day isn’t too cold and rainy, spend the day outside. Go for a hike somewhere beautiful, or head to the beach together. Get outside of your normal surroundings for a few hours, just you and the one you love. Nature is a great place for romantic, silent moments. This will make the holiday special without busting your budget.

• Have a conversation. Valentine’s Day is the time to talk about the future of your relationship and that includes your joint finances. Talk with your loved one about what you want to achieve and what you want to have.  Talk about starting a savings account together, decide how much you will each contribute over time, and eventually you will be able to share the fruits of that diligent planning. Imagine, in a few years you and your significant other might be able to take a romantic vacation without going into debt to pay for it. All you have to do is commit to spending a few years saving and keeping Valentine’s Day romantic and firmly under budget.