Make your Valentine’s Day memorable

Valentine’s Day is a great opportunity to reconnect with a loved one. You don’t need to go over the top (and break the bank) to do it. However, you can start saving today by opening a Hertsavers Credit Union savings account.

You don’t necessarily buy chocolates, roses, jewellery. Sometimes it’s the thought that counts and we’re here to help you come up with low-cost Valentine’s ideas that are unique.

1. A booklet of vouchers

Create a booklet of ten vouchers which contains different services/chores that you can pledge to do on behalf of your loved one. For example

“One voucher to empty the dishwasher”

“One pass to take the dog for a walk”

2. Create a “What I love about you” book

You can make a book with all the reasons why you love someone. You can make it funny, serious, romantic or whatever reflects your relationship.

Some prompts include:

“I love how you <blank> every day”

“I love to watch you <blank>”

3. A hand-written letter

There is nothing more romantic or touching than when someone writes down how they feel about you on paper. Do this for your sweetheart this Valentine’s Day.

Tell them exactly what you love and appreciate about them. Nothing says I love you like your own words.

4. Treasure Hunt

Instead of giving a box of chocolates, why not make it fun by hiding candy where you think your sweetheart will find them? For example on their cup of coffee in the morning, another in their purse, another under the pillow etc.

5. Edible flowers

Make ‘roses’ from strawberries with strawberries and skwers which have been dipped in chocolate. You can then make a bouquet and present it to your loved one.

6. Make a homemade meal together

Rather than going out for a meal, why not make it romantic and cook together? You could listen to music, drink a glass of bubbly and cook at the same time.

After making the meal, why not eat it by candlelight? 🙂

7. Go on a walk or bike together

If fitness is one your goals for this year, why not go for a walk or bike ride together? This is ideal especially if it’s been a long time since you did something like this together.

8. Have a movie night in

Pop the popcorn, cosy up under a blanket with a hot cuppa and enjoy a romantic together (if that’s what you both enjoy).

9. Dine out

Go out and eat. It doesn’t have to be an expensive meal but you can get hold of meal deals and vouchers.

You don’t necessarily have to do dinner. You can have breakfast, lunch or even just a dessert.

10. Become a local tourist

Spend the day together doing things that tourists would do. This can be inexpensive and may learn something new.

With your children

11. Homemade treats

Make homemade treats by making cookies and cupcakes instead of getting them from the shops. You can decorate them with heart-shaped sweets as well.

12. Love balloons

Fill up ordinary cheap balloons with a love note and homemade confetti that your children can have fun popping. You can hang them upside down from a chair or where they can easily reach.

13. Read some love stories together

Snuggle up with your children and read them some children love stories such as “Guess how much I love you”. You can borrow these books from your local library instead of buying them.

14. Make a homemade Valentine’s Day card

If you want to get your children involved, ask them to make a Valentine’s Day card with things that they can find around the house. For example, they can paint pasta red in colour and make a heart-shaped design out of it.

Last words

Make your Valentine’s Day memorable with experiences rather than expensive gifts. Remember, it’s what’s in your heart that counts.

Building towards your financial future

With the rising costs of living, there has never been a better time to plan for your financial future than today.

As the saying goes, “Every day do something that will inch you closer to a better tomorrow.”

This quote can apply towards planning your finances and what you would need to do to reach your savings goals.

Here is how Hertsavers can help you towards reaching your financial goals.

1. Start saving today

” The future is created by what you do today not tomorrow” – Robert Kiyosaki

For instance, people spend more at Christmas than at any time of the year. Therefore opening up and saving into a Christmas Savings Account in January means that you will have more money available for Christmas shopping and avoid financial stress next January.

You can find out more about our savings accounts here.

2. Make loan plans in advance

Making loan plans ahead of time will mean that you will be able to apply for a loan – and get it approved – for when you actually need it. We were impressed with our members last November and December as many of them applied for a Christmas loan ahead of time which meant that they had secured the loan in time for Christmas.

We have a wide range of loans at low-interest rates which can be repaid between 12 to 60 months (depending on the size of the loan). For instance:

• Members saving through a deduction from their payroll are eligible to apply for an Introductory Loan of up to £3,000 repayable over 60 months subject as always to credit and affordability checks

• Members with equity in their property are eligible to apply for loans of up to £20,000 repayable over up to 60 months subject to affordability and credit checks

Pay yourself first to save for a rainy day

Make it a priority to put money into your emergency fund with each and every paycheck. One of the best ways to do this is through the Salary Saving Scheme. You can find out more here.

Parting words of wisdom

If you understand how money can work for and against you, you can make better decisions. Financial literacy is not about wealth but about understanding money regardless of the amount. It’s about how you treat it and how you maximize opportunities. – Mellody Hobson