20 Valentine’s Day Gift Ideas For Personal Finance Nerds


You don’t need to splurge on jewelry and a fancy restaurant to make Valentine’s Day memorable. Instead, consider a more affordable gift for your loved one, like writing a love letter or making a photo album of wonderful memories. To get ready for next year, consider making a joint savings account or taking a money management course so you can start saving now.

Valentine’s Day is here, and it’s time to start thinking about the perfect gift for your loved one. You don’t have to spend a lot of money to show your affection, and there are plenty of fun, romantic, and inexpensive gifts that are sure to make your partner feel loved and appreciated.

Keep reading to learn more about Valentine’s Day gift ideas that work for any wallet. We’ll also discuss a few financial tools to help you budget and save for next year’s day of love.

10 affordable Valentine’s Day gifts

Not everyone can afford to splurge on holidays, but that doesn’t mean you can’t show your partner (or yourself) that you care. Here are just a few affordable Valentine’s Day gifts to make the day special.

  1. Write a love letter. Write down all the things you love about your partner and how much they mean to you. This simple yet heartfelt gesture is sure to make their day.
  2. Cook a romantic dinner. Cook your partner’s favorite meal and set the table with candles and flowers. This is a great way to show your love and appreciation while spending quality time together.
  3. Plan a surprise picnic. Pack a basket with your partner’s favorite foods and drinks, grab a blanket, and head to a romantic location for a picnic.
  4. Create a unique playlist. Compile a playlist of your partner’s favorite songs or songs that have special meaning to your relationship.
  5. Create a photo album. Collect your favorite photos of the two of you and put them in a photo album. You can also add special notes or memories next to each photo.
  6. Go stargazing. Take a blanket and head out to a secluded spot to stargaze. This is a fun and romantic activity that you can enjoy together.
  7. Take a romantic walk. Take a walk in a nearby park or nature trail, and enjoy each other’s company and the beauty of nature.
  8. Give a massage. Give your partner a relaxing massage to help them unwind and feel pampered.
  9. Play a game. Choose a fun board game or card game and spend the evening playing together.
  10. Watch a movie. Rent a romantic movie and snuggle up on the couch together.

Financial-themed gifts for finance nerds

If you want to start preparing early for next Valentine’s Day or any holiday, consider utilizing some of the financial products below.

  1. Budgeting app or financial planning tool. Help your loved one take control of their finances with a budgeting app or financial planning tool. These tools can help track spending, set savings goals, and provide personalized investment advice.
  2. A book on personal finance. Give the gift of knowledge with a book on personal finance. From basic budgeting tips to complex investment strategies, there’s a book out there for every level of financial literacy.
  3. Home energy audit. Help your loved one save money on their energy bills with a home energy audit. An energy auditor can assess your home’s energy use and make recommendations for improving efficiency and reducing costs.
  4. Budgeting workshop. Give the gift of financial education with a budgeting workshop. These workshops can provide valuable information on budgeting, savings, and investing, and can help your loved one achieve their financial goals.
  5. Money management course. Give your loved one the gift of financial literacy with a money management course. These courses can provide valuable information on budgeting, saving, investing, and other important financial topics, and can help your loved one achieve their financial goals.
  6. Savings account. Open a joint savings account with your loved one and help them start saving for the future. Encourage them to put a portion of their paycheck into the account each month, and use the savings to achieve their financial goals.

But not all savings accounts are created equal. To get a better idea of what savings account is right for you and your loved one, compare the account terms and interest rates using the tool below.

Save money to further your budget

Saving money isn’t always about the right checking account or financial class. Sometimes, all you need is a few small things to push you in the right direction.

  1. A cooking class. Teach your loved one to cook healthy, delicious meals at home and save money on eating out. Cooking classes are a fun way to spend time together, and the skills learned can be used for years to come.
  2. A gym membership. Encourage your loved one to take care of their health. A gym membership can provide access to a wide range of exercise equipment and classes and can help your loved one stay healthy and save money in the long run.
  3. A smart home device. Help your loved one save money on their energy bills with a smart home device. Devices like smart thermostats and smart lighting systems can help automate energy use and reduce costs.
  4. A reusable water bottle. Encourage your loved one to stay hydrated and save money by using a reusable water bottle instead of buying bottled water. Reusable water bottles are environmentally friendly and can help reduce waste and save money in the long run.

Key Takeaways

  • There are affordable Valentine’s Day gift options that can be just as meaningful as expensive gifts. For example, you could write a love letter, cook a romantic dinner, go stargazing, or offer a massage to your loved one.
  • To prepare for future Valentine’s Days, consider using budgeting apps or financial planning tools, giving books on personal finance, conducting a home energy audit, or taking a money management course.
  • Open a joint savings account and encourage regular deposits to help achieve financial goals.
  • Other ways to save money and improve financial health include taking cooking classes, getting a gym membership, using smart home devices, and switching to a reusable water bottle.
View Article Sources
  1. How to Get Approved for a Personal Loan — SuperMoney
  2. Best Savings Accounts — SuperMoney
  3. Personal Loans Industry Study — SuperMoney
  4. Best Personal Loans — SuperMoney