In case you haven’t already started thinking about it, Valentines Day is this Saturday! This is one holiday that always sneaks up on me.

Valentine’s Day is the second biggest retail holiday of the year. But it appears the economy is forcing some sweethearts to cut back this year.  A survey by the National Retail Federation shows Americans spent $17 billion on Valentines in 2008. This year it’s down to $14.7 billion. People plan to spend an average of just over $100 for gifts, about $20 less compared to last year. It looks the the economy is tough on love. Or at least the commercial expression of it.

There is some good news though. 79 percent of people surveyed said their personal financial situation has had no impact on their frequency of sex, according to a separate survey by Consumer Reports. In fact, five percent of the people surveyed said they’re having sex more often. Who knew?

So here’s what I thought we could do today. Let’s create a think tank of great ideas for Valentines Day. I’d love to hear how you guys are celebrating despite the tough economic times.

What are some things you’ve done in the past that weren’t too pricey, but ended up being significant?

Who knows, maybe you’ll stumble on an idea that will work for you! Not that any of us are waiting to the last minute though.