If you are enjoying a night out, do your research and find a good deal with a good atmosphere. There's no reason to get ripped off just because it's a recognized day of celebration.

A better option? Eat in. Get delivery, get carry out or channel your inner Bobby Flay. Dinner at home can be much more romantic anyway.

If you don't have a significant other with which to celebrate, hang out with friends, throw your own party and enjoy a bottle of wine together. Just avoid restaurants where couples will be making eyes at each other. Nobody needs to be surrounded by that, even on Valentine's Day.

Valentine's Day

No. 1: Falling for the commercialization

Around Valentine's Day there are two groups that stand to make a lot of money -- greeting card companies and chocolate companies.

It's a beautiful relationship between these companies and last-minute panic shoppers.

It's true that cards can be expensive. You might even think they're a waste of time to pick out and write in them -- but to the person who receives it, it means a lot.

Take the commercialization out of Valentine's Day and flash back to elementary school when you made your own Valentine's Day cards out of pink and red construction paper and a paper doily. It really doesn't matter what it says -- it really is the thought that counts.

Single? Give in. Find your favorite candy and treat yourself. Just be happy you're not dealing with the games that Valentine's Day can bring forth.

Distributed by Internet Broadcasting. This material may not be published, broadcast, rewritten or redistributed.