Valentine’s Day is around the corner. I can already hear the collective groan from the men. I know how hard it is on you. I do. It’s just after January, the never-ending 60 day month that constantly reminds you of the poor financial decisions you made in December. Finally it’s over. February is here, bringing so much relief from the stress of January. An oasis in the desert. And now your girl wants flowers, chocolate and a fancy dinner in a fancy restaurant! I know you mean well but sometimes you forget. I understand. The day gets so busy and you don’t realize how much you’ve messed up until you get home and get that sour look from your wife. So today I’m going to cut you some slack, give you a break. Today, let me speak to the ladies.