Aaaahhh, Valentine’s Day. Is there any time of year more romantic than this one? If you’re feeling less-than-enthused about the holiday – and the state of romance in your life – maybe your house (or mortgage) is to blame. Below are three ways that brick-and-mortar building – or that life-long contractual agreement — can affect the lovin’ feelin’ between you and your spouse:

1. An extra payment today can make life more romantic down the road

Anyone who says money doesn’t buy happiness is a liar – and if you needed proof, check out this article in The Atlantic. According to the article, the richer you are, the happier you are, period. And what frees up cash flow better – while simultaneously increasing your equity – like paying off your mortgage? A few extra payments today can free up cash down the road – and allow you to go on more romantic vacations in the future!


2. Your mortgage can help improve the romance in your home


According to the principles of feng shui, a bedroom holds the power to nourish your health, provide a balanced flow of love and improve sexual energy. Similarly, a poorly organized kitchen, a lack of closets or an absence of a sound-proofed man cave can also create discontent. Sometimes it’s necessary to take out a Home Equity Line of Credit or refinance your mortgage to make your home more conducive to the needs of your marriage.


3. The size of your mortgage can affect your marital health


It’s not a surprise that the number of money fights you have predict divorce rates. One way to alleviate those fights is to control your debt load – and the size of mortgage you obtain. By living in a home that’s within your means, you might be able to save your marriage – what’s more romantic than that?