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Love for Less
15 Ways Men Can Say "I Love You" for Less Than $15
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11. Have just a glass of champagne or dessert at a fancy restaurant or hotel.
12. Write a poem (or if you are grammatically challenged, find an existing one) and print it out on nice paper. You can then mail it to your loved one at work. Or if you have a frame with outdated pictures, you can use it to frame your poem and wrap it as a gift.
13. Tour a free local art exhibit and then have a picnic under the stars.
14. Purchase a box of children's valentines and hide them all around the house starting a week before Valentine's Day. 
15. Learn to say "I love you" in several languages.
MMI also reminds you that you don't have to go into debt to prove your love. "It is important to keep your head when shopping for your heart," says Rudy Cavazos, director of corporate and media relations for MMI. "Periodic expenses are the adversary of good financial planning. Valentine's Day is a perfect example of an event that typically is not budgeted for."
Cavazos advises consumers to use cash whenever possible. If a credit card must be used for Valentine's Day expenses, don't charge anything that cannot be paid off in three months or less.
