11 Ways to Celebrate Valentines Day Without Going Broke by Amandah T Blackwell l Valentines Day Ideas l Celebration Ideas for Valentines Day l Valentines Day l Valentines Day Gift Suggestions l Valentines Day Gift Ideas

According to a survey from the National Retail Federation, conducted by Prosper Insight Analtyics, "Americans will spend on average, more than $140 on Valentine's Day and $199.33 if they shop online. Last year, consumers spend an average of $133.91. The total expected spending is $18.9 billion, which is the highest amount recorded on the survey." That's a lot of candy, cards, dinner, flowers, and jewelry!

You don't have to go into debt on Valentine's Day; you and your sweetie, or friends, can have a good time on a budget. Here are 11 swoon-worthy ways to celebrate Valentine's Day without going broke.

Talk About Your Financial Future

If you've been dating for a while, you may want to take time to discuss your financial future. Are your student loans paid off? Is your credit card debt shrinking? If you're renting, are you considering buying a house together? Valentine's Day is a great way to get intimate about your finances.

Remember that there's more to Valentine's Day than whisking the one you love away for a romantic getaway that may stress out your savings. Rather than spend your money, save it and have a cozy evening at home. Think about all the money you'll save. And... You can use your savings to buy something that will pay off in the long run, like investments. Not that's a great return on Valentine's Day!