Where is the love?  With Valentine's Day just two days away, a recent survey finds that fewer of us will be celebrating.  51 percent of us say we plan to mark the holiday devoted to love, but that's down four percent from last year according to the Business Insider.

Maybe its because the increasing cost of love?  Those who do plan to celebrate are spending more money, with the National Retail Federation estimating that Americans will spend more than $20.7 billion on Valentine's Day, up six percent from last year!

Diamonds are still a girl's best friend and money spent for jewelry is estimated to be nearly $3.9 billion, followed by $3.5 billion on an evening out, $2.1 billion on clothes, $1.9 billion on flowers, $1.8 billion on candy, $1.3 billion on gift cards, and $933 million on greeting cards.

That's a lot of loot, especially when you consider so many significant others say they would be happy with just a heart-felt personal love letter.