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As predicted people are not spending the big bucks this Valentine's Day. Most of us are opting for cards, candy and flowers. Heck, I'm still reeling from Christmas and a crap economy. But some people are spending more this month, so sales may actually increase for February, experts say.

Valentine’s Day is the third largest spending season in America, according to the National Retail Federation (NRF), after Christmas and back-to-school.