IT is the “month of love”, you can either go wild with your spending and regret it financially, or you can enjoy it while sticking to your budget and putting your mind and finances at ease. Here are tips to consider when making last-minute plans. . You can’t just “wing” this love-filled day without a bit of planning. Know what you want to do, what it is going to cost you and get your estimates in line with your budget for this special day or activity. . There is nothing wrong with enjoying home-made meals. Surprise your loved one with an affordable breakfast in bed or create a scrumptious dinner dish with your partner, in the comfort of your own home. . Thinking about dining out? Consider a nice, yet affordable restaurant option if you have saved for a meal. . What about making your own treats? Take a look at your pantry and fridge and give your own baking a try. . Buying flowers is a trend, but a personally plucked flower bouquet from your garden will surely make the gesture extra special. . Do it yourself cards. Get some creativity going and make your own cards with items that you have available in your stationery drawer. . There is no time like quality time. Make use of it by spending some proper quality time with your special someone. There is nothing better than just being together. Why not watch a movie in your own lounge, have a picnic outside or enjoy listening to your favourite songs and artists at home? Showing that you care does not need to put you in an over-indebted situation. So take the above tips into account and have a frugal action plan in mind.