Have a significant other and want to make this a special Valentine’s Day? In college and have a limited income? With Valentine’s Day just around the corner you should look for ways to get the most out of V-Day while sticking to your budget. Here are some tips to making this year’s V-Day special and cost effective.
Set a budget. This can help curb your impulses while shopping or taking someone out. A good way not to over spend is to take out the money you want to spend on V-Day out in cash and only spend that amount. This will ensure you spend only what you have budgeted for.
Don’t buy gifts at the last minute. Start shopping early so you can get the perfect gift for your significant other without paying a fortune. Decide on a great gift and then start shopping around. Look in stores and online to find your gift on sale or buy it with a coupon. Make sure you get the best price for your gift.
Create your own gift. This can be a great way to save your money while giving a gift that is meaningful. One way to accomplish this is to create a custom made card on the computer. You can personalize it with pictures and a love letter. Another example is making chocolate covered strawberries or other desert to give as a gift. You could even make a deal with your partner that all gifts have to be handmade. Handmade gifts can be much more meaningful and romantic than generic store bought gifts.
Look for Valentine’s Day specials. Many restaurants offer specials for this special day. You can often save money by taking advantage of these deals. Generally you have to book in advance for these places so make sure you plan ahead.
Plan a romantic evening at home. You can make your loved ones favorite meal and enjoy a glass of wine together in the quiet and comfort of your own home. You could rent a movie, play a board game, or just gaze lovingly into each other’s eyes. This option could save you a bundle and be more intimate and romantic than a crowded restaurant.
You don’t need to blow your savings or rack up credit card debt to show someone you care on Valentine’s Day. Use these tips to have a romantic evening while being financial responsible.
I hope you have a happy Valentine’s Day!Andrew Witter, Peer Counselor Powercat Financial Counseling www.k-state.edu/pfc