Love is free, but that's not how your creditors see it.

When couples open their credit card bills next month and see "they spent what!?" on Valentine's Day, they may need to talk about their financial values before it leads to heartbreak.

U.S. consumers are expected to spend more than $18 billion on Valentine's Day with the average per person spend of about $136. That's down from last year's average per person spend of $146, according to the National Retail Federation.

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