With Valentine’s Day love lingering in the air, don’t forget that STDs (sexually transmitted debt) can be worse than catching an STI (sexually transmitted infection). STIs can generally be fixed with a short course of antibiotics but signing on the line with your loved one for a large loan, could backfire for years to come if you break up. Always know your rights & obligations. Also remember that spending money to feel good will never really fill that empty void that can only be filled with human connection, including with yourself. Be grateful for all that you currently have and everyday, smile and hug at least one person (even if it’s yourself). Because it’s much easier to love someone else once you know how to love yourself.