Sometimes, the best gifts are made, not
bought. Be creative and paint a
picture, write a love song or cook your loved one's favorite
meal .

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Recreate the magic.

Get back to nature.org

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Create a customized coupon book for
your partner so they can enjoy your gift throughout the year
by visiting http: //www. Counseling is available by
appointment in branch offices and 24/7 by telephone and Internet .

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Valentine's Day is also the second most popular
card-sending holiday and ranks number four in candy sales.com recommends picking up some family-friendly,
romantic movies such as Beauty and the Beast, Lady and the
Tramp or The Princess Bride.
"Many people forget to budget for Valentine's Day and wind up in debt
over chocolate and roses. Be sensible about this year's spending and
remember that it doesn't take a lot of money to show someone you love
them."

About Money Management International

Money Management International (MMI) is a non-profit, full-service
credit counseling agency, providing confidential financial guidance,
financial education, counseling and debt management assistance to
consumers for over 47 years..

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In
fact, more money is spent on cut flowers for Valentine's Day than any
other holiday.

Share the love.
Services are available in English or Spanish...

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Last year, those
consumers spent an estimated $12 billion, with the average consumer
spending nearly $100, according to the NRF's 2004 Valentine's Day
Consumer Intentions and Actions Survey.
To enter visit http://www..

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Before you break the bank expressing your love this year, the
experts at Money Management International (MMI) offer the following
romantic alternatives:

Use your talents.org/gifts/..beverlyclark.

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Spend the holiday with your family.

Familyfun.

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com.

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She's inviting
everyone who wants to tell their significant other why they love them to
participate. Wilshire Publications, $9.com.

The author of many wedding books including the best-selling "Planning A
Wedding To Remember," Beverly Clark is an award-winning designer of elegant
wedding gifts and accessories, the Beverly Clark Collection.

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95. For more
information visit http://www.com), a
service of eMediaWire.

Shopping sites that sell gifts and other items with a romantic, Valentine's theme.

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moneymanagement..

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." contact Millie Szerman at
310-798-3144.

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.," Beverly
Clark, renowned lifestyle expert and author of the best-selling "Planning A
Wedding To Remember ," is sponsoring a writing contest. "My new book
is full of wonderful sayings and photos about love , so I thought it would be
fun to let others share their thoughts on the web," says Beverly Clark .

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Valentine's Day: Express Your Love Without Breaking the Bank; MMI Offers Money-Saving Tips for Romantics This Year

beverlyclark." in twenty-five words or less.

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Business Editors/Feature Editors

HOUSTON----Just when you thought the
holidays were over, Valentine's Day makes its appearance . Visit a favorite location or make your
loved one a personalized CD with all of their favorite tunes.
Anyone can enter by going to http://www.
Each week until Valentine's Day, Beverly will select five of the best
entries and post them, along with the couples' pictures, on the website .sandals.

Contact:
Millie Szerman
New Directions
310-798-3144

NOTE: This press release distributed by PRWEB (http://www.

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"The key is to use your head when shopping with your heart," said
Catherine Williams, vice president of financial literacy for MMI . SANTA BARBARA, Calif.

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moneymanagement..
For more information, to arrange an interview with Beverly Clark or
receive a review copy "I Love You Because." is a 96-page hardcover gift book with
black + white photos throughout.beverlyclark.

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Work toward a common goal. MMI helps consumers trim their expenses,
develop a spending plan and repay debts. on February 13, 2006. For information about Sandals Resorts visit
http://www.

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, To celebrate Valentine's
Day and the publication of her new gift book, "I Love You Because.Valentine's Day Sweepstakes" button.m.

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Valentine's Day Writing Contest: Best Love Note

com and completing the
sentence: "I Love You Because. One
of those entries, selected at random, will receive a beautifully embroidered
Keepsake Photo Album from the Beverly Clark Collection to create his or her
own "I Love You Because.. "I Love You Because.

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For example, if you are a writer, put pen to paper and
leave a love letter in a secret place . Taking peaceful walks, going for a picnic
in the park or riding in a horse-drawn carriage can be
romantic dates that are both very memorable and low-cost.prwebdirect.

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Some good
coupon items may include massages, breakfast in bed or
sleeping-in privileges. To learn more, call
800-762-2271 or visit www.
All the submissions will be entered into a drawing for a great
all-inclusive 4-day/3-night stay for two at one of the luxurious Sandals
Resorts, the Caribbean's #1 ultra all-inclusive luxury resorts created
exclusively for couples in love. All entries must be submitted
online by 11:59 p..

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According to the National Retail Federation (NRF), more than half
of American consumers celebrate Valentine's Day. If you fell in love over Chinese food,
order in, light a few candles and toast yourselves with a
reasonably priced wine." album.
The Grand Prize winner will be picked at random and will be notified and
posted on the website on Valentine's Day, February 14, 2006.com and click on the "I Love You
Because..

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And even
though the old saying "money can't buy love" may hold true, money does
seem to help people show their love -- at least on Valentine's Day.

Give the gift of time. This year you might consider making
an agreement with your partner to forego the Valentine's Day
spending spree and put your money toward a common goal, such
as homeownership or a summer vacation.
ISBN 0-9340812-7-1.

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