American Consumer Credit Counseling Announces Five Tips for a Budget Friendly Valentine’s Day

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Don’t let spontaneity and generosity drain your wallet on Valentine’s Day. Follow these five financially-savvy tips to ensure a debt-free holiday.

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Even in today’s stressful economic climate, it’s still important for consumers to incorporate something special into their Valentine’s Day plans, but doing so does not have to mean breaking the bank and veering off course from a budget.

Between flowers, dinner, cards and even presents, the cost of Valentine’s Day racks up quite a bill and in these economic times, many can’t justify spending that much. However, consumers don’t have to break their budget to give their significant other something meaningful from the heart this holiday.

“Even in today’s stressful economic climate, it’s still important for consumers to incorporate something special into their Valentine’s Day plans, but doing so does not have to mean breaking the bank and veering off course from a budget,” said Steve Trumble, President of American Consumer Credit Counseling. “By following these five money saving ideas, consumers can enjoy a guilt-free holiday while still surprising their significant other.”

Leading national nonprofit American Consumer Credit Counseling works with consumers everyday to help them overcome debt through financial education in areas such as, money management, budgeting and saving. The organization has compiled five ideas for a Valentine’s Day that is easy on the wallet, while still retaining all of the romance.

A Romantic Dinner Together
There is nothing more special than having alone time with your date. To make it more romantic and affordable, consider cooking dinner together in the comfort of your own home. This way you don’t have to deal with loud crowds at restaurants or the big bill at the end. For dessert, make a sundae that you can both share.

Be Creative with Candy
Just giving your date candy can be really boring and routine when it comes to Valentine’s Day. To do something creative and unforgettable, try this memorable and fun twist: Get a bag of M&M’s, Hershey Kisses, Gummy Bears or Candy Hearts, and have them spell out a phrase such as: Happy Valentine’s Day, I Love You or Be Mine.

Make a Valentine’s Day Card
Don’t let Hallmark take all the credit for writing to your significant other! Put some thought into it and make your own Valentine’s Day card for that special someone. Even if you’re not the most creative person, when they see the card they will know you put time and effort into it and will love it.

Create a Valentine Coupon Book
This is a great idea and doesn’t have to cost anything at all. You can make a coupon book in many ways (with construction paper, glue, markers, crayons etc.) – be creative! In the coupon book you can include coupons for a kiss, massage, free pass from doing the dishes, or a choice of a movie for movie night. For the ladies, it’s chick-flick night. As for guys, it’s zombie time.

Special Delivery at Work
If your valentine has to work during Valentine’s Day, make the most of this opportunity. While they are at work, make a special delivery of flowers or a box of candy to their office. Actions speak louder than words and objects, so a surprise delivery is exactly the type of spontaneity and thoughtfulness that will make this Valentine’s Day memorable without costing you a fortune.

ACCC is a 501(c)3 organization, that provides free credit counseling, bankruptcy counseling, and housing counseling to consumers nationwide in need of financial literacy education and money management. For more information, contact ACCC:

     • For credit counseling, call 800-769-3571
     • For bankruptcy counseling. call 866-826-6924
     • For housing counseling, call 866-826-7180
     • For more information on financial education workshops in New England, call 800-769-3571 x1980
     • Or visit us online at

About American Consumer Credit Counseling
American Consumer Credit Counseling (ACCC) is a non-profit 501(c)(3) organization dedicated to empowering consumers to achieve financial health through education, counseling, and debt management. ACCC provides individuals with practical solutions for solving financial problems and recognizes that consumers’ financial difficulties are often not the result of poor spending habits, but more frequently from extenuating circumstances beyond their control. As one of the nation’s leading providers of financial education and credit counseling services, ACCC works with consumers to help them with the best plan of action to reduce their debt and regain financial stability. ACCC is accredited by the Better Business Bureau and holds an A+ rating. It is also a member of the Association of Independent Consumer Credit Counseling Agencies. For more information or to access free financial education resources log on to or visit

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