VALENTINE'S DAY may be the time to show your beloved how much you care, but you don't have to sink deeper into debt in the process. Here are some suggestions Give yourself: Use your talent or skills to create something memorable for your Valentine. It could be a song, a painting, a gourmet meal or even a straight-from-the-heart love letter. Go back in time: Do you remember where you were and what you were doing when you fell in love? Even if you can't return to the scene, you can recreate the magic at home. Get outdoors: Take a walk, plan a picnic for two or snuggle together around a cozy campfire. Give your partner a break from the mundane that lasts longer than a day. Create a coupon book that offers such things as massages, sleeping-in privileges or even getting out of dishwashing duty. Include the entire family in your celebration. Familyfun.com lists a number of family-friendly romantic movies such as Beauty and the Beast, Lady and the Tramp and The Princess Bride. Share your goals. Instead of spending a lot on fleeting holiday gifts, agree with your partner to put that money toward a longer-term goal such as a new home or a g rand trip.

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