Chocolate, flowers, candy hearts, jewelry – snore! If you and your partners already have everything they need, it doesn’t make sense to clutter the house with more stuff. Here is a unique Valentine’s Day gift guide from MyBankTracker.com, an independent financial comparison site, to put your money to good use. So sit back, relax and watch the love (and money) grow because smart is the new sexy! 1. Give the Keys to Your Apartment or House It may be the perfect time to let your partner know you’re ready to take the relationship to the next level. This doesn’t have to mean moving in together, but it can convey your feelings.…