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Valentine’s Day on a budget doesn’t mean being cheap

Written by
Written by
Staff Writer

Miral is a personal finance writer and content marketing expert based in the Greater Toronto Area. She has previously worked in the financial services sector, where she was a private wealth advisor, before transitioning to the world of content strategy, SEO, and inbound marketing. She has a keen interest in budgeting and investing, and hopes to help others get on track to building financial independence.

Miral Naik
Valentine's Day

When you’re on a budget, even the most mundane holidays and events can cause financial distress. Does your friend have a birthday coming up? You’re probably already stressing about being able to afford the dinner she invited you to. The same concept applies to holidays, including Valentine’s Day.

Listen, I understand. No one wants to be frugal on Valentine’s Day, lest your significant other misinterpret your intent. The pressure to spend money to show your spouse how much you care about them is real. I understand why so many Canadians succumb to it year after year.

That said, there are plenty of ways to save money on Valentine’s Day without coming off as an uncaring person. Here’s how to do Valentine’s Day on a budget.

Skip special deliveries

Receiving flowers in the workplace on Valentine’s Day is a special experience, but it comes at a high cost. Special deliveries may seem like a romantic gesture, but they are often expensive and can cost over a hundred dollars – for flowers! Instead of hiring a flower delivery company to bring a bouquet to your loved one, hand-deliver it in person. Hand-delivering gives you a chance to purchase the flowers yourself and shop around to minimize your cost.

Cook at home

Instead of treating your loved one to an expensive dinner out, which could cost hundreds of dollars, spend a fraction of that by cooking at home. Buying an expensive cut of meat, preparing it skillfully and serving it with many side dishes will taste just as good as a restaurant meal but will cost only a fraction.

You could even make it a fun activity and tackle a new recipe with your spouse, and this would give you a chance to bond over cooking while saving money at the same time.

Plan frugal activities

Valentine’s Day wouldn’t be complete without a romantic event or two. Instead of spending a lot of money going to the movies or a play, consider opting for a free or low-cost event instead. Take a walk through a beautifully lit park at night, go ice skating, or even snowshoeing. These activities are free but will still allow you to spend time together, and that’s what’s important, right?

Opt-out

This option is for frugal pros only because suggesting it to your significant other could result in some friction unless you are both firmly on the frugal living bandwagon.

While celebrating Valentine’s Day is fun, it’s not necessary, and you can always choose to opt out of celebrating completely. People who scaled back their Valentine’s Day celebrations often felt a surprising sense of relief. They’d never realized how much pressure they put on themselves to make Valentine’s Day a memorable experience, until suddenly that weight was lifted.

If you have a significant other who understands your frugal intentions, you may be able to suggest that Valentine’s Day is just a day. Maybe you don’t need to celebrate it with extravagant declarations of your love for one another. You can stick to Valentine’s Day on a budget.

More Valentine’s Day on a budget ideas

  • Movie marathon at home: Create a cozy atmosphere at home with your favourite films, complete with your favourite snacks and drinks.
  • Game night: Dust off those board games or puzzles you haven’t played in a while! 
  • Homemade charcuterie board: Get yourself some deli meat, crackers, fancy cheese, and fruit. Arrange it all on a plate, and now you have a charcuterie board! Look up some pictures for inspiration, or for more ingredients you enjoy. You can go as simple or as creative as you like. Now you have a delicious accompaniment for any other plans on this list.
  • DIY spa day: Pamper yourselves with a DIY spa day at home. You could combine this with movie night, or put on some face masks for board game night!
  • Nature hike: This is for the outdoorsy ones! Explore local trails and enjoy the great outdoors. It’s free and allows for some quality time together.
  • Volunteer together: Spend time helping at a local shelter or community center. 

A growing number of people are planning Valentine’s Day on a budget by cooking a nice meal, sharing a bottle of wine, or snuggling up on the couch with a good movie. This plan can save hundreds of dollars this year! As a bonus, you don’t have to worry about dressing up, dinner reservations, flower deliveries, or jewelry purchases. If frugality appeals to you, this plan will certainly make you, and both your wallets, happier!

Remember, showing love doesn’t have to come with a hefty price tag. By focusing on connection over consumption, you can build lasting memories without stretching your budget.

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