LOVE FOR ALL
Some frugalistas might ridicule Valentine's Day and all the pricey gifts marketed along with it, but the holiday is easy to commemorate with little to no out-of-pocket expense. Skip pricey dinners, diamond jewelry, and even the dozen red roses. Instead, opt for a budget approach that involves the entire family. Time and memories are the greatest gifts of all, and here are 20 ideas that can make the holiday memorable.