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Iona Minton - Financial Journalist, Consultant and Speaker
 
Iona Minton is passionate about helping people build wealth from knowledge. A financial education consultant, financial journalist and professional speaker, specialising in personal finance, Iona is also the author of 'Financial Fitness for Women' and 'The Property Game'. Iona's 20 years of experience working in diverse financial markets has given her a broad and detailed knowledge of how the money world works and a keen interest in sharing that information.


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Iona: Valentine's Day Survival Tactics

  
 

Valentine's Day is fast approaching and if you buy into the commercial hype, at least get some survival skills under your belt. Men, the world over, quiver in their takkies at the prospect of getting it all wrong on the auspicious 14th of February, aka, judgement day. 

So who is responsible for the havoc wreaked in men's life once a year? According to one legend, he was a priest during the third century in Rome. The emperor at the time decided single men made better soldiers than men with wives and families, so he made it illegal for all young men to marry. Valentine, deeming this unfair, defied the emperor by continuing to perform marriages for young lovers in secret. When the emperor found out, Valentine was sentenced to death.

If you have been subjected to the wrath of an unhappy valentine, you may think that he deserved his fate. Retailers have successfully leveraged this old legend to make you feel that if you don't empty your bank account on your sweetheart you are not worthy of their affection.

The social contract that accompanies Valentines Day is legendary. Men spend hours agonising over the perfect gift and romantic setting to declare their love, often spurred on by recollections of last years disasters. Women end up spending their entire annual shoe allowance to reciprocate.

The beetles knew what they were talking about when they composed the song ‘Money can't buy me love' True love does not cost money, it's what you partner does every day that counts. The cup of coffee by your bedside before you wake up, a foot rub after a long day, an attentive ear when you are sad. Valentines Day is a good day to say thank you but it does not mean that you have to feed the coffers of the retailers.

As for going out to dinner on the 14th, you end up fighting the crowds for a decent table, only to get served cold limp food by grumpy waitrons, who would rather be with their loved ones. So this year why don't you try something different?

Even if you don't feel like cooking a meal for your partner, buy a gourmet meal and serve it at home. Decorate the room with candles and flowers and keep the lights low. Not only will you save money but it's far more intimate and you are not being bumped and jostled by a flock of other love birds. Guys all she wants to hear is that you adore her and she is the ‘one'. Ok so a bottle of her favourite perfume wont be lost on her but you don't have to mortgage your house for a 5 karat diamond pendent. Ladies, a nice meal of his favourite fare and an upgrade from your flannel rose bud pattern pyjamas, will make him happy (perhaps you can throw in 4 hours uninterrupted possession of the TV remote as well). What I am trying to say is don't take leave of your senses, if you love each other, you will respect each others financial limitations.

If you are really brave try this approach:

 

1. Create your own special Valentines Day at a time when you have a little more cash and creativity on your hands. Valentines Day could not come at a worse time, right after Christmas when you've just blown all your reserves on presents, New Years parties, vacations and school fees. No wonder you see so many strained faces at the shopping malls.
2. Rather choose to celebrate the anniversary of your first meeting, or a special day that you shared. Agree that this is not about who can buy the most expensive gift but who can buy the most thoughtful one. Perhaps purchase something that you both need rather than buying something frivolous.

There are some real benefits in creating your own celebration. Firstly if you do like to buy/receive flowers they are reasonably priced, secondly the restaurants are at normal capacity. Thirdly if you want a weekend away you are not competing for space with other mushy couples. Finally you are not swayed or dictated to by the hype from retailers. You won't feel compelled to buy those inedible chocolates in heart shaped boxes with furry tassels, nor to wear that tiny g-string that would make a Barbie doll cry.

Paying R30 for a card is also crazy make one instead. You don't have to be an artist or a wordsmith - there are plenty of copyright-free resources on the web. And it doesn't have to be complicated either; your own words will carry far more weight that someone else's musings.

You don't have to be dictated to by commercialism in order to show your partner that you love and appreciate them. Do it in your own time on your own terms. If you are in a new relationship and you don't think your partner will cope with your new valentine's schedule. You can write a little note that says something like this.

Roses are red violets are blue,
The 14th of Feb is not good enough for you.
So be patient my love because one special day
I'll shower you with love in my own private way.


Your Questions


Hi, I have been dating a woman for 6 months and want to do something for Valentines Day but she keeps saying that Valentines day is so clichéd and predictable. Should I just treat it as a normal day?

Iona: Not unless you want your name obliterated from her black book. Women and men like to protest but secretly they do want to acknowledged. Your best bet is to go onto the web and do a search on ‘cool things to do for your valentine'. You will find something that suits your style and your pocket. The relationship is still new so don't go overboard. It you go big now you are setting yourself up for the future, feeling compelled to do bigger and better things. Less is more when it comes to new relationships, especially when your partner is sensitive about the occasion.

My husband has to be the world's worst Valentines day gift giver. The year before last he bought me a negligee that I may have fitted into when I was born, wrapped around a book called ‘Your ideal weight'. I had just given birth to out son in January! Last year he bought me a knife sharpener! How do I tell him that his gifts are totally inappropriate without offending him?

Iona: I think if I had received the negligee enshrouded book, I would have asked for the knife sharpener! Perhaps he was well intentioned but he could not have got it more wrong if he tried. You can't be subtle with this kind of man because he clearly has no clue. You need to drop hints, big fat glaring ones like, ‘oh look darling, I would LOVE that for valentines day'. Just make sure it is within budget. If he continues to make such bad choices, maybe its time to ditch the 14th as an event and shoot for a decent birthday present.

Posted: Feb 11 2010, 02:42 PM by iona | with 2 comment(s) |
Views: 595 | Ratings: 1 | Comments: 2


Comments

arendse said:

awesome

thanks for the great tips, i think u dont need valentimes day to tell someone u love them, everyday should be valentines day just like womens day, youth day. etc

Happy Valentines Day Iona

# February 12, 2010 8:37 AM
 

Lee said:

I find that when you have children even *these* days become about them. A romantic dinner becomes dinner at Spur because there's a jumping castle (and either you don't want to leave the kids or just can't find a babysitter). Romantic, special gifts for your husband take a backseat to little gifts for kids and their teachers and friends. Romance when you're married with kids has to be enjoyed wherever and whenever you can find it... which is usually not on that one date in Feb.  

With all the pressure that we're under I think it's just fine for Valentine's Day to get the obligatory nod... with some low-calorie flowers!

# February 16, 2010 11:45 AM