Valentine’s Day is Tuesday. Are you ready, guys? Every year I see men who haven’t planned ahead and have to make last-minute purchases at the end of the business day on Feb. 14. I just know they’re getting fleeced on prices!

If you are into romance and saving money, then you’ve got to plan ahead. You’ve still got several days left including the upcoming weekend, so there’s no excuse to be unprepared.

My wife and I have a longstanding tradition where I give her roses about two weeks before Valentine’s Day to avoid the markup at the last minute.

One thing I’ve never understood is why women want their roses delivered by a complete stranger from a floral company. Isn’t it more fun to get the roses and hand-deliver them yourself to your wife or girlfriend at the office or at home, instead of having somebody else do it for you?

The personal element is just such a nice touch. Handwriting a declaration of love is likely to be appreciated by many women as well, even if you get the card at a dollar store.

If last-minute flowers are your thing, then I suggest going to a supermarket or a nursery for competitive prices.

The supermarkets that have floral departments will often have multiple staffers on hand to accommodate people dashing in for bouquets. Nurseries, meanwhile, see their business drop off in the middle of winter and tend to offer high-quality products at a low price to reintroduce themselves to customers this time year. Finally, some online sellers will undercut traditional florists on roses, even during this holiday.

Clark Howard is a nationally syndicated consumer advocate, radio personality and author who gives advice on how to avoid getting ripped off. Listen to Clark Howard weeknights from 6 to 9 p.m. on AM1290/95.7FM News-Talk WHIO.