4 Ways To Save & Make The Most Of Valentine’s Day

Feb 06, 2024 Holidays

Like most holidays, Valentine’s Day can be expensive. Find out how you can show your special someone you care without breaking the bank.

A couple sitting at a table and eating dinner together.

It’s February and if love is in the air, it’s time to figure out what you’re going to do to make your loved one feel extra special on Valentine’s Day.

While more than half of consumers are planning to spend an average of $185, that doesn’t mean you have to. If you’re asking yourself how you can spoil your sweetie without blowing your budget, here are some ideas.

4 Ways To Save

Celebrate At Home

Who says you have to go out to dinner? Avoid large crowds and hefty costs by opting to stay in instead. Cook a romantic dinner and set the mood with candles and music. Afterwards, cuddle up and watch a favorite movie or show.

Better yet, make a day of it if you don’t have school or work. Surprise them with breakfast in bed and then have different activities planned throughout the rest of the day and into the night. Take a trip down memory lane by revisiting the places that have a special meaning in your relationship – like where you first met, said “I love you”, or had your first kiss.

Be A Savvy Shopper

Try to think outside the box when shopping. For example, buy flowers at a wholesale club instead of a traditional floral shop. If it’s chocolates they want, consider shopping the day of. You may have a limited selection, but stores will usually offer discounts to sell excess inventory.

Be sure to shop with a purpose. As Valentine’s Day gets closer, themed items are in higher demand and prices will increase. Avoid impulse shopping and focus on what you really need.

Use Gift Cards & Rewards

Do you have any gift cards lying around unused? See if you’re able to regift any or use it to buy a new gift. Don’t forget about restaurant gift cards as well.

Are you one of the many consumers that leaves credit card rewards unredeemed? Use them for Valentine’s Day! Depending on the credit card, rewards could be redeemed for movie tickets, purchasing merchandise or gift cards, and a lot more.

Do-It-Yourself (DIY)

There are many ways to show your loved ones you care without spending an excessive amount of money. Consider creating your own gift rather than buying one for that added personal touch. If you look online, you’ll be able to find plenty of DIY ideas and kits that are budget friendly.

Also, consider trying a classic romantic gesture – like making their favorite meal or dessert or writing a letter.


Try these four tips to be financially mindful and save money. Remember, this special day isn’t a day to showcase how much money you have but to show just how loved the people in your life are. Coco Chanel said it best – “There are people who have money and people who are rich.”

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Ready to take control of your finances? See what steps to follow to develop a spending and saving plan and follow through on it.

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