For the first few years of our relationship, my husband and I never thought twice about going out for a five-star meal on Valentine’s Day. It was just the thing to do. After all, the average American spends more than $140 on this holiday.
Yet, here was the problem: We couldn’t afford those dinners, especially with piling up credit card charges, burdensome student loans payments and hefty car notes. So, we started celebrating Valentine’s Day on a budget and we actually enjoyed ourselves just as much (if not more) because we had to get creative.
Although we have now paid off our consumer debt, we decided to keep up our thrifty Valentine’s Day tradition. This way we can focus on our other money goals for this year and beyond.
If you’re also looking to celebrate Valentine’s Day on a budget, check out these 14 date ideas that won’t make you look like a cheapskate:
For the Romantics At Heart
This is a popular at-home date night recommendation but it can be stressful if you wait until the last minute to figure out your menu. Instead, consider testing out a meal delivery service or check out Instacart, which I find to be a huge time (and therefore money saver).
At-home spa night.
While you may not have the hands of a massage therapist, you can easily recreate a calming, spa-like atmosphere right in your own home. Budget-friendly tip: Shop your hall closet for candles, aromatherapy oils and other at-home spa essentials. In the end, you may only need to spend money on rose petals to turn this idea into the most romantic Valentine’s Day ever.
Create a scavenger hunt.
It’s time to put your Pinterest skills to good use with this Valentine’s Day activity. Showcase your thoughtfulness by including riddles that incorporate memories from milestone events like your first date. Your grand finale (final clue) doesn’t have to be expensive either. It can be home cooked dinner by the fireplace, picture of the two of you or a picnic lunch.
Bury a time capsule.
Fill a box with keepsakes that represent both you and your SO, write a sweet note to your future selves and bury it. Hint: You can repurpose almost anything such as a shoebox for your time capsule instead of going out and buying something new.
Pour a glass of wine and get ready to enjoy a trip down memory lane with your person. I also love that this sweet date night idea can double as a great way to get rid of clutter and turn it into cash (not very romantic, I know, but it is a tip worth sharing).
Treat your SO to breakfast in bed.
When was the last time you made your partner breakfast in bed? Or maybe a better question is: Have you ever made your partner breakfast? Be sure to include a sweet handwritten note when you surprise your SO with this thoughtful gesture!
At-home movie night with a twist.
Borrow a projector or even use a large television screen to create a romantic outdoor or indoor movie theater experience without breaking the bank.
For the Outdoorsy Couple
Cozy bonfire date.
My husband recently spent five dollars on a fire pit at a garage sale and we can’t wait to test it out on Valentine’s Day. I already have the marshmallows and hot cocoa mix added to our grocery list!
If you want to have some real fun on Valentine’s Day then add this winter activity to your to-do list. Cuddle up with a warm beverage once you’re finished acting like a big kid with your favorite human.
Yes, this is a thing! Just be sure to check out these safety tips before embarking on your adventure.
For the Couple Who Doesn’t Like At-Home Date Nights
Fill up on dinner at home and save the spending for a delicious sweet treat. Scout out a nice ice cream parlor or a quaint bakery in a cute nearby town. End the night with a romantic walk.
If you and your partner are competitive then this could be the perfect date night that costs less than $25. Plus, you may even win some money when all is said and done!
Choose lunch over dinner.
Eating lunch out is less expensive than dinner. Plain and simple. For instance, Money Crashers notes that at the Cheesecake Factory, “Dinner entrees range in price from $11 to $30 [while] lunch specials cost between $9 and $14.” If you skip dessert and take it easy on the beverages, you won’t have to spend more than $50.
For the Couple Who Thinks Outside of the Box
Don’t celebrate at all.
If your main reason for celebrating Valentine’s Day is that everyone else is, then it may be time to reconsider your approach. I spoke with one couple who doesn’t celebrate Valentine’s Day at all.
Ellie from EllieMondelli.com says, “It’s very simple for us — we view this holiday as yet another excuse to spend money. It doesn’t fit in with any of our goals, so we don’t celebrate it.”
This type of discipline has enabled the Mondelli’s to pay off their mortgage before she turned 30!
This page is for informational purposes only. Chime does not provide financial, legal, or accounting advice. This material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for financial, legal or accounting advice. You should consult your own financial, legal and accounting advisors before engaging in any transaction.