Make Love, Not Debt

Toronto, ON – Love is in the air. With Valentine’s Day only a few hours away many love-struck consumers are scrambling to find the perfect gift for their special someone this year. Before breaking the bank on fancy chocolates, over-priced flowers or a romantic dinner for two, Consolidated Credit Counseling Services of Canada, offers consumers tips to make this Valentine’s Day special without breaking the bank.

“February 14th can be a magical day – but for those in debt, the magic of Valentines can quickly fade to wallet weary despair,” says Jeffrey Schwartz, executive director of Consolidated Credit. “Before emptying your wallet to shower your Valentine with presents, consider some of these cost effective ways to celebrate without spending more than you can afford.”

Skip the flowers – Roses are more expensive on Valentine’s Day, than on any other day of the year. Skip the flowers all together, or choose a less expensive variety of flower.

Stay in – A romantic dinner for two on Valentine’s Day can really put the finances in a bind. Instead of eating out in a crowded restaurant, stay home and make a favorite meal together for a fraction of the cost.

Scrap the card – Why spend money on an expensive card when you can easily make one yourself? For the artistically challenged, get online and create a personalized e-card for that special someone.

Make the gift – Homemade gifts are a unique way of showing your Valentine you care. A mixed tape (or playlist), a special photo album, heart shaped cookies or even a short poem or letter are all thoughtful, and often free ways to show your appreciation.

Random acts of kindness – What better way to show your appreciation for that someone special than by surprising them with random acts of kindness.

Pay off debt – Nothing says love like making a commitment to get out of debt together. Start the conversation and see if the desire to eliminate credit card debt trumps the material gifts of past Valentine’s Days. Hopefully, getting out of debt sooner, rather than later is more important than a box of chocolates and a night on the town.

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