subject: Valentines Day Can Cause You To Need Debt Consolidation Loans [print this page] If you take note of all the commercials and marketing, Valentines Day can cost you thousands of dollars. From expensive jewelry to lavish dinners, love is going to really cost you. Of course while a luxurious Valentines Day may make your Valentine happy within the moment neither of you is going to be happy the following month when the credit card bill comes due and you cant afford to pay it.
Regardless of what retailers are trying to make you believe, Valentines Day doesnt have to be an expensive holiday. From your gifts to your date plan, everything can be achieved on a budget without accruing a mountain of credit debt. You just need to determine your financial allowance then make use of a little planning and creativity to make your day special.
Start by creating your Valentines Day budget. Assess your monthly expenses and figure out how much cash you have left over to spend on the day. Its also a good idea to assess your credit card debts to find out if you have the means to spend anything on credit and if so, how much. Bear in mind the Valentines Day budget you create needs to cover not only the gifts you purchase, but also any meals, outings, and even transportation costs.
As you build your plan, estimate the cost of the activities first. Pick restaurants and calculate the amount youre going to spend on the meal. Then add in the cost of movie tickets, drinks at a bar, or whatever else you intend to do after the meal. Also estimate the incidental costs you may have like cab fare, buying flowers from a street vendor, and anything else you can think of thats going to cost you on that day.
Once you have the total cost of what youll be doing on Valentines Day, subtract this money from your total Valentines budget and anything remaining is what you have available to purchase gifts. Stay within your budget while you shop and steer clear of using credit-pay in cash or with your debit card to avoid spending a lot more than you have. In case your finances are tight, dont go with something like expensive diamonds; instead invest some time selecting a thoughtful and affordable gift. Look for something which holds a special meaning in your relationship.
You can also purchase a small item and then give it to your Valentine with other gifts that dont cost you anything. You can make vouchers for romantic dates or coupon booklets for anything from free back rubs to washing your Valentines car for a year. Dont forget your own talents either-from a song you play to poetry you are writing, you can utilize your personal skills to do something that will be much more memorable than diamond jewelry.
With the right mixture of careful budgeting and inventive planning you can make Valentines Day special without amassing excessive credit card debt. If youre unsure whether youve got a very good budget in position, many credit counseling agencies will give you a free budget analysis. They are able to also provide free suggestions about how to improve your budget to better stay in your means.
by: Travis Peterson
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