Yaw’s Wahala Before the Roses: A Val’s Day Caution

Emotional damage. By February 10th, your partner has already started saying things like:

“I’m not asking for much oo…”

That’s when you know you’re in danger.

Meanwhile, your boys are in the group chat sharing screenshots of perfumes that cost more than rent in Madina. One guy is even talking about a surprise weekend at Aburi like he’s the Minister of Finance.

Me? I opened my account balance and laughed. Not because it was funny; because if I didn’t laugh, I’d cry.

• The financial reality check

Here’s the truth nobody wants to say out loud: Love doesn’t require bankruptcy.
I sat down, took a deep breath, and did something radical, for a Ghanaian in love I planned. Not vibes. Not pressure. A very boring plan. I asked myself three very adult questions:

1. Can I afford this without borrowing?
2. Will future me be angry?
3. Is my partner dating me or my wallet?

Financial discipline entered the chat like a strict auntie from Kumasi.

• The Strategy (a.k.a. How not to die of pressure)

Instead of one big dramatic expense, I spread the love intelligently: A thoughtful gift (not flashy, but meaningful), a simple but cozy outing (no hotel that needs embassy approval), and most importantly, clear communication.

Yes. I talked. With my mouth. Like an adult human being. I said something like: “Charley, I want to celebrate us well, but I also don’t want February to chase me into March.”

To my shock… it worked.

• Plot Twist: It actually deepened the relationship

Turns out, honesty is very romantic when it is packaged with effort. We laughed. We reminisced. We ate good food that didn’t come with lifelong debt. No stress. No comparison. No “see what Ama’s boyfriend did” syndrome.

Instead of arguing about money after Val’s Day, we were planning the next chapter calmly, joyfully, and with sense oo, sense!

• What Val’s Day taught me (and might save you too)

Financial prudence is not unromantic, it’s responsible love. Anyone who truly loves you does not want you suffering silently. The best gift is peace of mind… and maybe small chocolate on the side. In Ghana, we say “Sɛ wopɛ asomdwoe a, fa adwen to ho.” If you want peace, apply wisdom.

This Val’s Day, my relationship survived not because I spent big. It survived because I spent wisely. And honestly? That confidence, that maturity, that refusal to be pressured, it might have been the most attractive thing I did all year. So, if your bank app is giving you attitude, listen to it.

Love is sweet. But sense? Sense is sweeter.

Happy Valentine's Day, may your love be strong and your finances stable.

Bernard Boamah,
Client Experience & Client Insight Analyst - Stanbic Investments Management Services

Known as Yaw in the Stanbic Blue Branch Series