What’s love got to do with money? Everything!

It’s Valentine’s season again, and love is in the air! Dinner reservations are filling up, gifts are being wrapped, and social media is about to be flooded with grand romantic gestures. But let’s be honest—love and money have always been intertwined. While love is not all about money, a lack of financial stability can strain even the strongest relationships.

Finance makes romance more desirable, and romance can be accentuated where there is good finance. That’s why understanding the connection between love and money is essential—not just for your relationships, but for your overall well-being.

So, in the spirit of Valentine’s, let’s break it down using L.O.V.E. as an acronym for financial wisdom that will keep both your heart and your wallet in check.

L – Lifestyle Compatibility Matters

Ever heard the saying, “Love is blind, but debt is real”? When love is fresh, we often overlook financial habits, but in the long run, lifestyle compatibility matters. Are you a saver dating a chronic spender? Do you believe in delayed gratification while your partner prefers instant luxury? Are you planning a future with someone who is financially reckless?

These are hard questions, but they matter. Money fights are one of the top reasons for breakups and divorces, so before emotions take over, ensure that you and your partner share similar financial values.

Love Tip: If your financial mindsets don’t align, have honest conversations early and work towards middle ground.

O – Open Conversations About Money

Romance thrives on trust, and nothing tests trust like money issues. Many couples avoid financial discussions until it’s too late, but true love means being open about everything—including debts, spending habits, and financial goals.

Are you comfortable talking about money with your partner? Have you discussed financial responsibilities in your relationship or marriage? Do you set financial goals together? Transparency builds security. Whether you’re dating, engaged, or married, being honest about money will save you from future heartaches.

Love Tip: Schedule “money dates” where you discuss finances just as easily as you talk about your dreams. Make it fun and rewarding.

V – Value-Based Spending

Love should not be about impressing people with extravagant spending. True love is about shared values, not just expensive gifts.

A thoughtfully planned date is often more meaningful than a pricey outing. A handwritten love letter can be more touching than designer shoes. A partner who supports your financial growth is more valuable than one who pressures you to spend beyond your means. This Valentine’s Day, spend wisely. Don’t go into debt for a one-day display of affection while ignoring long-term financial stability.

Love Tip: Prioritise experiences over expenses. Focus on meaningful, cost-effective ways to celebrate love.

E – Establish Financial Boundaries

Love is giving, but it should never lead to financial recklessness. Many people make financial sacrifices in relationships that they later regret.

Are you funding someone’s lifestyle while neglecting your own financial growth? Are you taking loans to maintain a relationship? Are you feeling pressured to spend beyond your means to “prove” your love?

Love should never leave you broke, and true love will never demand that you jeopardise your financial future. Give within reason, but don’t let emotions override common sense.

Love Tip: If someone only values what you give financially, they probably don’t value you.

Final Word: Keep Your Money Out of the ‘Valentine’s Red’

Valentine’s Day is beautiful, but don’t let your account balance go into “Valentine’s Red” while your mood slips into “Heartbreak Blue” because you tried to impress someone who doesn’t even care.

Spend wisely, love deeply, and remember: the best relationships aren’t measured by the size of the gifts but by the depth of understanding and commitment.

Happy Valentine’s Day!