Valentine’s Day is right around the corner and couples are looking for the perfect gift that says, “I love you.” According to WalletHub, Valentine’s Day is the third-largest consumer holiday in the U.S. In fact, shoppers spend more than $18 billion per year in the name of love with the average person spending close to $140. Be sure to make smart financial decisions by remembering the true meaning of the holiday, exploring alternative options for gifts and insuring pricey jewelry.