BUT you don't have to spend lots of money to show you care - as the shops will want us to believe. They are now tempting us with lots of ways to get that message across with special jewellery, flowers, cuddly toys, lingerie, gifts and candles - the list goes on. In fact time and effort are worth far more than money.
In day to day life it is thoughtfulness and small acts of kindness that can touch our hearts most. It's your partner doing a task for you that you didn't want to do, or helping unexpectedly or giving you a treat.
Time and thoughtfulness is usually much more valued than an item bought, especially a stock valentine's gift.
Here are a few ideas for Valentine's Day without sending flowers. If you are at work on Valentine's Day and haven't a lot of time - plan for another day and then make an invitation or a ticket for the day you are planning - to give on February 14th.
1. Go for a walk in the countryside where you can see lots of flowers growing - daffodils or snowdrops. Country Life hasinformation on lline about Snowdrop Walks. Walk, talk and enjoy each other's company - and the beauty of Sping's first signs.
2. Go to a place you haven't visited before - one that you have been meaning to go to but not quite got round to.
3. Instead of buying flowers, chocolates etc. buy an item you know you loved one has been talking about wanting - a CD, book, DVD etc. Cheaper than many standard Valentine's gifts and it shows you have been listening - one of the most important aspects of a relationship.
4. Eat in with your favourite foods rather than eating out at an over priced and possibly over crowded restaurant. If cooking isn't your thing, most of the supermarkets will be doing some special Valentine's ready meals including wine. Try out recipe for Tiramisu
5. Go out for breakfast or lunch. You still get the joy of eating out, delicious food and some time of togetherness but without the same level of expense.
6. Go for a picnic. Obviously this is a bit weather dependant but if you go with warm and waterproof clothing you can pick one of your favourite romantic spots and enjoy huddling up to keep warm!
7. Make a compilation of your favourite photographs - your life together so far - on a memory stick. Include some links to YouTube clips of favourite TV, film clips or songs.
8. Make a Valentine's card with a photograph taken at a romantic moment.
9. Do an outstanding household job as a surprise. Whether its cleaning, mending painting or putting a picture up.
10. Post a love note in the window of a British Heart Foundation shop. Shows you are caring as well as romantic and loving.
These are just a few ideas, there are many more and we would love to hear from you about the ways you will have a frugal Valentine. Post a comment or email email@example.com
Want a say in how we do things?
For £1 a year, Zero-credit membership
is open to anyone, aged 16 or over
with personal experience of debt.
Alternatively, if you're a business, why
not subscribe to our Information Service?