So the next big season of spending is just around the corner - less than a pay cheque away and the Consumer Affairs Commission (CAC), is renewing its call for consumers to be vigilant about how they spend their hard earned money.

The mantra of the commission is more relevant than ever since it requires more discipline when it comes to shopping for the one we love. Remember to stick 'Budget and Save'.

As the season for unplanned shopping and overspending has barely passed by yet another occasion is on the calendar for emotional spending.

Jamaica's consumers will again be heading to the mall and the capitals of all other parishes will be set abuzz with activity. Red roses and white teddies (lingerie and stuffed toys), perfumes, cell phones and candlelight dinners are all the fare. It is hardly a mystery anymore.

what persons will do to express love for a spouse or a member of the opposite sex for whom one may have some affection is really an exercise in creativity.

Advertising deals

In anticipation of the surge in spending, advertisements about sales and deals on everything from the home gym to the ideal weekend resort for two and a few enticing lingerie and jewellery pieces will tease and tempt the smallest of bank accounts to spend all they have to keep or reach a prospective love interest. The CAC is all for love but we are reminding consumers to be wise and exercise some restraint.

Spending beyond your means to impress someone may be good for your heart but bad for your pocket. If Valentine's Day is a day you intend to make a first impression, make sure that you will be able to sustain the quality of attention you have initiated. Think carefully about whom it is that you are buying a gift for and choose an appropriate gift that would say "I am a creative, thoughtful person who thinks the world of you".

Do research

Do some research with friends, if you can, to ensure that the recipient will appreciate your effort. The CAC continues to advise consumers to exercise prudence:

Only a month since the Yuletide season has past, the CAC continues to advise consumers on:

1.Budgeting;

2.Managing your debt;

3. Avoiding debt;

4.Reducing expenses and most importantly, how to save.

5.Using your cash instead of credit cards, (short-term loans with high interest rates).

Amid the purchases of the usual Valentine's dinner, gifts such as chocolate, perfume, jewellery (or eau de toilette depending on your budget), wine,); please make every effort to do so safely.

Don't drink and drive and be 'prepared' for any surprises. Don't lose your head. Be responsible and while you intend to be monogamous, your partner may not be, so, buy some condoms and use them.

Remember Cupid may have access to your heart, but don't let him strike any arrows at your head or your pocket.

Contact: Dorothy E. Campbell (Miss)

Education, Information & Communication Specialist

Consumer Affairs Commission

1B Holborn Road

Kingston 10

Telephone: 926-1650-2

www.consumeraffairsjamaica.gov.jm