Smart Buying
Holiday Tipping When Money is Tight
How to mind your manners without busting your budget.
By Candice Lee Jones, Reporter, Kiplinger's Personal Finance Magazine
December 12, 2008
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Here's a tip worth taking this holiday season: Even if you plan to cut back on spending, don't skip your tips.
End-of-the-year tipping is an important way to show your appreciation; ignoring the custom is not only bad manners, but it also sends the wrong message -- that you're dissatisfied with the service you've been getting throughout the year. "No matter what, you should make some gesture of appreciation," says Jodi Smith, president of Mannersmith, an etiquette-consulting firm.
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That doesn't mean you need to compensate everyone who provides a service. Consider handing out year-end tips to one to three people who have given you exemplary service during the year. Some prime candidates: baby sitters, hairstylists, cleaning persons, mail carriers, newspaper deliverers and nursing-home workers. (For guidance on exactly how much to give, see our Holiday Tipping Tip Sheet).
If you haven't been pleased with the service you've received, don't feel compelled to give anything.
If money is tight, you can still show your appreciation without breaking the bank. "Sometimes you just have to cut back," says Cindy Post Senning, director of The Emily Post Institute, which offers etiquette advice. In that case, be upfront about it. Etiquette experts agree that it can be helpful to explain to your service providers that you're in a cash crunch. You don't have to disclose that you have lost your job or go into detail about your finances. But make sure they know you're not cutting back because you're dissatisfied with the work they've been doing. Include a holiday card with a handwritten note and perhaps a token gift.
Low-cost alternatives
Even if you can't afford your usual cash gift, there are polite ways to give appropriately and for less money.
Homemade goods are always acceptable (and thoughtful), says Senning. That includes anything from cookies and bread to a hand-knit scarf or your secret recipe for tomato sauce.
And don't forget holiday staples that you can buy for a reasonable price or put together yourself: fruit baskets, flower arrangements or houseplants, or assortments of tea or coffee.
Or consider gifts that are personalized but not too personal -- gloves for your dog-walker, for example.
Words of praise
Other gestures cost no money at all. For instance, you can send a glowing review to your service provider's supervisor (send the provider a copy, too), or submit a letter to your local newspaper to praise the service you've received.
And, says Smith, you can always make it up to those people with cash gifts later, when your finances have recovered.
SEE ALSO: Kiplinger's Holiday Buying Guide
Reader Comments (3)
Posted by: bdk413 at 12/14/2008 11:47:43 AM
be kind and give..whether its the bartender that fills your glass with more whiskey than coke..or the newspaper guy that makes sure your paper dosn't get wet..or the cable guy that comes (and) fixes your tv..u know he can charge u a 70.00 truck roll that 5.00 or 10.00 tip just saved u 60.00..dont be the Scrooge this year..
Posted by: Reed Affolter at 12/15/2008 08:05:57 PM
When did tipping become the new tax? I believe in tipping when the service is really good, but how many deliver great service anymore? Why has service become so bad? Because the whiner(s) that give bad service (have) (con)vinced a good portion of the world that the tip is their due. The people who truly give 100% to each of their customers don't whine, because they get their tip and if it's from me it is a good one. I can't tell you how many times myself, a family member, or a friend that their food took over 30 minutes (from the time they ordered) to get to their table and in a few cases didn't come at all. Here is my tip guide: Great service, tip to your little heart over flows with joy (I do). Good service, a dollar or two and a copy of the book "Raving Fans". Bad service, talk to the supervisor, after all you don't want to lose you favorite places that you do business. Thank you for reading my little rant and no I don't need to be tipped.
Posted by: Loonacy at 12/16/2008 07:14:19 AM
And precisely why should I tip a federal employee who gets better benefits than me? Mail carriers are well paid and get excellent benefits for less money than other federal employees can get.