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Now, I'm renegotiating my contract for extra minutes and all-inclusive texting (more on that later). She's not standing there demanding you buy her diamonds and designer purses. According to the National Retail Federation, the average man will spend 3.00 on Valentine's Day gifts this year. Too bad so many of us go way over board on the gift-giving front.During our leaner undergraduate years, an old girlfriend and I used to trade off with three other couples hosting a weekly night in.

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It's definitely not the most cosmopolitan of experiences, but it does the trick. Here's the catch though, you have to save the money first.

Being in a relationship may enrich your life, but it's definitely doing no favors for your wallet. Let's start with how you got here (here being the point where you start stuffing credit card statements into your sock drawer in order to hide from the shame): It's Friday. Nothing too crazy, just meet a few friends for a drink or two at a local pub, maybe have a couple of appetizers and then retreat back home to watch a movie. Even if you two are splitting the tab now and then, all that socializing can cause some serious damage to your wallet. But, I still pine for the days when my cell phone usage consisted of a few work calls and the occasional call to friends, which would go something like this: “Hey, you want to get a drink tonight? Try to limit your nights out to one night a week or even less.

Find out where you're spending the most money on your girl and plug those holes ASAP. One to two nights out a week can break you faster than you think. If you like the socializing, then something has to give.

The single most important element to cutting losses and providing customer service is EMPLOYEE TRAINING.

Make sure employees know and adhere to store policy.

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