Early on in a relationship, many people expect extravagant dinners and diamonds on Valentine’s Day. But you don’t have to spend a fortune to show you care, says Cherie Lowe, author of Slaying the Debt Dragon. “Don’t be cheap with your love. Instead, find ways to display just how much you care by making your own gifts.” Make your own cards, she suggests, or write a longer, more heartfelt letter. Bake cookies or prepare your partner’s favorite meal. Finish a household fix-it project without being asked. On this holiday, the clichés often ring true: It is the thought that counts, so make memories that last a lifetime.