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Tuesday Tip – Debt and Valentine’s Day

To some, debt and Valentine’s Day go hand in hand. But there’s no reason a holiday should put you in consumer debt! We want to help you have a special day with your significant other that won’t rack up costs. Here are some ideas.

Stay on track with your debt payments with these budget-friendly ideas.

Stay on track with your debt payments with these budget-friendly ideas.

Debt & Valentine’s Day

Whether it’s your first or 50th Valentine’s Day with your partner, you still want it to be special. We get it! There’s no reason that you shouldn’t be able to celebrate Valentine’s Day and stay within your spending restrictions. To avoid overspending this year, use these tips:

  1. Establish your spending limit. Whether that’s $50 or $500 (please don’t spend $500!), set your maximum amount and set it aside.
  2. Choose activities that fit within that limit. Do you have $50 for dinner? Great! You should probably avoid a fancy restaurant in the city, but there are tons of great options within your price range. Check on Valentine’s dinner specials for a great deal. That way you can have a special dinner without derailing your debt management progress.
  3. Make arrangements ASAP. If you haven’t already, solidify your plans. This way, you can have peace of mind knowing that you will fall within your price range.
  4. Skip the gift. Rather than splurging on candy, flowers or a new watch, do an activity together instead! Make some memories.
  5. Don’t go overboard. This happens a lot. We want to spoil those we love and many of us think that spending money equals affection. It doesn’t! Really hold yourself accountable and remind yourself that your partner is with you because they care about you and not for what you can buy them.

We have to break the idea that debt & Valentine’s Day is mutually exclusive! Let’s make a deal to agree that our financial health is more important than one night of the year. Deal? Deal.

If you’re struggling to pay off debt, ACCC can help. Schedule a free credit counseling session with us today. 


Madison is a Marketing Communications & Programs Associate at ACCC. She is excited to share her tips on saving money and being financially responsible here on the Talking Cents blog!

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