How many people do you have in your life who are on your tipping list for the holidays? The hair stylist, school bus drivers, teachers, the trash man, the postal clerk or delivery person (there are rules on type and amount), the baby sitter or nanny, the coffee barista and anyone else who provides you a regular service, may all be expecting a holiday tip. At least one service provider of ours actually leaves an envelope just for the purpose. Most of us forget to add tipping expenses into our budgets and may be left with a surprise when we … Continue reading →