Though you may think it a risky relationship move to give a gift card on Valentine’s Day, I think spending wisely is just as important as telling someone how you feel. I also think a gift card is less risky than picking out the wrong gift.

Do you REALLY want to give your girlfriend a gold necklace only to have her burst into tears because somehow you failed to notice she only wears silver? Conversely, do you want to be the picky Valentine who returned the gift he selected especially for you?

A gift card delivered with the right sentiment and a little something to open immediately will save you both from embarrassment.

Here’s a tip: Get your gal a candy necklace or make one yourself like shown here on the “birthday in a box” web site. Then give her a gift card to the jewelry store as well. It doesn’t have to be a fine jeweler either. A gift card to Claire’s or another accessory shop will do just fine. She’ll appreciate the effort and your creativity. And she’ll enjoy picking out a little bauble for herself later.

For other gift card ideas, check out the Valentine’s Day section.