Whether you are a Valentine’s Day cynic or a lovebird who revels in the holiday of romance, chances are your significant other still wants to be shown some love with a gift this February 14.

If time is money, then you might say procrastination is like going on a spending spree. Laziness leads to wasted time and missed money-saving opportunities, but so can busyness. Our hectic lives often cause us to neglect matters that, left unattended or unnoticed, can cost us money.

Doesn’t extreme couponing sound great? Up to 95, 98, 99 percent off huge grocery bills—who doesn’t want that? That kind of savings is significant, but the downside is that you need to put in a lot of time and effort to get results like the ones you see on TV. Those couponers admit to spending 30 to 60 hours each week and going to tremendous lengths such as Dumpster diving to score big savings.

A couple weeks ago, my sister and I snagged a deal we’re pretty proud of. We both use the same pricey shampoo and conditioner, which runs around $30 per 8-ounce bottle. We know this seems like an exorbitant amount to shell out for hair products, but we attribute our addiction to struggling with years of frizzy, unmanageable hair.

Forbes Women and NEFE came out with some pretty alarming statistics yesterday. They found that 31 percent of Americans have lied to their spouse about money and another one-third have been lied to about money.

Love ‘em or hate them, pets can be expensive! From food and vet appointments to toys and grooming, the expected expenses of owning a pet really add up. But what about those unexpected expenses? Like…