Coco Chanel once said, “There are people who have money, and people who are rich.” Valentine’s Day is one holiday where this sentiment rings most true. Rich in love unfortunately does not necessarily mean rich in pocket.
Clan ahead. You will have more time to do it yourself, shop around and/or compare prices before Valentine’s Day comes.
Preplan how much you are willing to spend. Once you have determined what you want to do, plan your spending, do not go over that amount.
Save up. Once you know the amount, set aside the necessary sum from your allowance and put it on your savings, soon you will have enough for your special someone.
Limit your spending to reserve funds. If saving is not an option because your budget is tight, limit even more your spending, with a little self-control in your spending habits you might able to save some money for this special day.
Shop the sales. Notice how many items are drastically reduced or put on clearance after the holidays? Why not pick out your Valentine’s gift while the sales are still going strong? If you wait for the week before or the week of Valentine’s Day, you will likely be forced to pay full price for the same item you could have bought at a 50% discount.
Avoid impulse shopping. Put some time and thought into it.
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Don’t be compelled to spend. Do you feel like the day will be lonely if you don’t have money to spend? If you do, it’s about time that you change your outlook and think about the things you can enjoy without spending a fortune.
Don’t get into debt for the sake of celebration. Are you thinking of borrowing money to buy a gift? If you own a credit card, do you plan to charge that purchase to your credit and pay it back at a later time? If you presently don’t have cash to purchase, don’t get yourself into debt just for the sake of Valentine’s Day. Instead, find other ways to show your loved one that you care, without having to use your credit card.
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