Empower Blog

February 07, 2024

Valentine's Day Ideas for Any Budget

Money Management, Holidays

Valentine’s Day is a special time of year when we express our love and affection for our significant others. It’s also a time when expenses can quickly add up, especially if your budget hasn’t quite bounced back from the holidays. You can still enjoy a romantic Valentine’s Day with your partner without spending a lot of money. After all, this holiday is about spending quality time with the one you love.


Here are some ideas to help you have an affordable and romantic Valentine's Day.

Plan a Romantic Homemade Dinner

One of the most intimate and cost-effective ways to celebrate Valentine’s Day is by cooking a homemade dinner. Skip the expensive restaurant reservations and create a cozy atmosphere at home. Prepare your partner’s favorite meal or try a new recipe together.


If you do choose to dine out, consider skipping the dinner. Prepare a luxurious meal together at home and then going out for just drinks and dessert. It still feels like a splurge, but with a much more affordable bill.

Personalized Gifts

Instead of buying an expensive gift, consider creating your own that holds a sentimental value. Handmade cards, love letters or a scavenger hunt filled with clues using your favorite date spots and memories can be more meaningful than store-bought presents.

Play Tourist

Valentine’s Day doesn’t have to be lavish gifts or extravagant outings. Many cities offer attractions that are available for a low fee, or even free. Check out a local art museum or go for a long drive around the scenic part of town listening to your favorite playlists. If Valentine's Day falls on a weekday, take advantage of a weekday date for potentially further discounts, such as matinee pricing at museums and movies.

Think Beyond Roses

Roses are synonymous with Valentine’s Day but with popularity comes a higher price point this time of year. Purchasing another flower arrangement can save a lot of money. Some other suggestions: tulips (symbolize passion and fresh beginnings) or peonies (symbolize happy life and marriage). Another option if you’re going to be putting money into flowers is a flowering plant. The investment will feel worthwhile, and your show of affection will last longer too.

Plan a Group Gathering

Valentine’s Day doesn’t have to be exclusively for couples. Consider organizing a group gathering with friends or family. Share the joy of love and friendship by hosting a potluck dinner, game night or movie marathon.


Valentine’s Day is a time to celebrate love. The true essence of the day lies in the thought and effort we put into our relationships, not the amount of money we spend. No matter what you do to celebrate, doing it together is what matters most. By following these budget-friendly tips, you can create a memorable and meaningful Valentine’s Day without sacrificing your financial well-being.


If you need more budget tips, CommunityAmerica’s Financial Well-Being Coaches offer free expert guidance on budgeting as well as improving your credit score and managing debt. Start your customized financial plan with a Well-Being Coach to help you achieve financial peace of mind.

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About the Author
janelle holland
Janelle Holland

Financial Well-Being Coach

Janelle Holland joined CommunityAmerica in 2019 as the Assistant Branch manager of the Todd George Branch and currently serves as a Financial Well-Being Coach at the Hickman Mills Community Access Center.