Valentine’s Day is a wonderful time to show your special someone just how much you care for them, but between flowers, chocolates, jewelry, and dinner out on the town, the costs for showing your love can add up fast. One way to curb the costs are to celebrate after the 14th. Restaurants will be less busy, and stores will often have post-holiday sales you can take advantage of.

When it comes to personalized gifts, it’s the thought that counts. Thoughtful gestures can be more romantic and less expensive than store-bought gifts. Get creative and make your partner something that expresses your love for them for Valentine’s Day. The important aspect of this gift is that it comes from the heart and is personal to them.

If you are planning on making a big purchase, take advantage of specialized credit card perks. Using the right credit card can make a big difference. With Arvest Flex Rewards™ you can earn points by using your Arvest credit card* at your favorite local and online retailers, restaurants, and anywhere else you make purchases. You can redeem these points for direct deposited cash into your checking or savings account, gift cards, and travel options including hotel and airfare. The choice is yours.

Learn more tips and tricks to manage your finances on a Spin on Spending.

*Arvest Credit Cards are subject to credit approval.