Can your budget handle the expense of a new or long-term relationship?

When it comes to money and relationships, transparency and careful planning are essential in making good decisions.

Palesa Tlholoe, Liberty Financial Adviser says, “While it is important to impress a potential partner, it’s not a good idea to blow your budget on one romantic date, especially if things go well and you need to budget for future dates.”

Sparking up a new relationship on a budget

The first date places a lot of pressure on both potential partners. This is the time when you need to put your best foot forward. Not only must you be on your best behaviour, you also need to pull out all the stops to leave a lasting impression.

A home cooked meal, picnic or a romantic walk in the park are just some of the affordable ideas out there. If this isn’t your style, find something you have in common with your date and arrange an affordable activity that you can both enjoy together.

Tlholoe says, “Flashing your cash isn’t the best way to secure a long-term relationship. It is important that you recognise that you are more important than the size of your bank account. If the person you’re taking on the date doesn’t appreciate you but seems more interested in your cash, then perhaps you need to reconsider the relationship.”

Managing an existing relationship on the day of love

If you’re already in a long-term relationship, planning becomes even more important. When you and your partner have children, minimise the spoils and spend your money on securing the financial future of your family.  Dedicate the day to family love and take charge of your family’s financial future.

Tlholoe says, “While the idea of meeting with a financial adviser doesn’t always come across as romantic, your partner will appreciate that you’re taking steps to protect your family’s financial future.  That doesn’t mean that you can’t enjoy Valentine’s Day with your family.”

Spoil your partner with a special personal gift. Pack every hour of the day with fun activities. Since this Valentine’s Day this year falls in the middle of the week, why not push out the celebration to the weekend? Then you are able to dedicate the first part of the day to the entire family, parents and children – reserve the evening for much-needed quality time with your partner.

Tlholoe concludes, “Be careful that you don’t end up stretching your budget to fit into the extravagance that generally defines the day of love. Don’t let the pressure of the day, and what you think you partner’s expectations are, hold you ransom. With a little careful planning, you can fit this day of love into your budget and still make your loved one feel special. “

All articles written by a STAFF WRITER have been checked and verified to the best of our abilities. Should you have any queries or concerns, please don't hesitate to email them to

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