Just when we think we have no more holidays to buy for, up pops Valentine’s Day. The idea of using our credit cards or putting out cash for gifts and dates gives us chills. It amost makes us want to do away with Cupid altogether. Luckily, we chatted with Ann Dennis, Communications & Public Relations Manager for Consolidated Credit Counseling Services of Canada, who gave us awesome tips for keeping our budgets in check. Read on for Ann’s advice.
Cupid’s arrow is soaring, signaling it’s time to search for the brightest and best Valentine’s Day gift – otherwise known as something very sparkly for someone you love. However, if you haven’t saved enough to pay for that little gem, it could become the cause of unwanted financial stress on your heart and your bank account.
“Money worries add enough stress on a daily basis. Don’t add to it by buying a Valentine’s gift that leaves you debt-laden,” said Jeffrey Schwartz, executive director of Consolidated Credit Counseling Services of Canada, Inc. “One of the keys to financial heart happiness is changing habits and attitudes towards money.”
Like Dustin, an alumnus of Consolidated Credit Counseling Service of Canada’s Debt Management Program, who has a new outlook on spending. “My wife and I are saving for a house this year. To help stay within our budget this Valentines Day, we’re staying home and enjoying a romantic movie night with pizza and wine. The time spent together will far outweigh the value of diamonds!”
Here are a few more ideas that will help take the pressure off your wallet:
Surf the internet, not the stores. There are so many free e-card websites out there with creative cards – you’re bound to find more than one to fit the occasion. In fact, send multiple messages to keep your special someone smiling all day long.
Home is where the heart is. Follow Dustin’s lead: pick up a bottle of wine, order pizza and rent a romantic movie. Or sub in boozy hot chocolate and a roaring fire – whatever it is that takes you and your partner to your happy place!
Take a walk down memory lane. Celebrate on Sunday, February 13 instead, and spend the day visiting the places in the city where you met, had your first kiss, the coffee shop where you spent hours getting to know each other or took your first walk in the park.
Exchange homemade presents. Receiving a gift that’s homemade and comes from the heart is more meaningful than receiving something store-bought that doesn’t fit right or you don’t really like.
For more money-saving inspriation, visit Consolidated Credit Counseling Services of Canada’s Facebook page or follow them on Twitter: @debt_free_2day.