As the year comes to a close, you may be looking for ways to thank the people around you who make your life easier. Tipping during the holiday season is your chance to show your appreciation to the service providers you rely on throughout the year.

While there is no one-size-fits-all rule when it comes to holiday tipping, a little guidance can help you strike the right balance.

Who should you tip? When considering whom to tip, think about the individuals who provide you with regular, ongoing services. This may include housekeepers, babysitters, teachers, dog walkers, or landscapers. If you live in an apartment or condominium, property staff, such as door attendants and maintenance workers, are also common recipients.

In addition, you don’t want to forget the people who provide you with personal care services, such as hairdressers/barbers, nail technicians, massage therapists, or personal trainers. Even mail and newspaper carriers and delivery drivers may warrant a holiday thank you.

How much should you give? The amount will depend on a variety of factors, such as your budget, geographic location, and relationship with the service providers.

For personal care providers, such as a hairdresser, a common guideline is to give the cost of one service visit. For other individuals with whom you may interact more frequently, such as a live-in housekeeper or nanny, a gift of up to one week’s pay may be more appropriate. For additional service providers, such as a garage attendant or newspaper delivery person, it is suggested that you give a cash gift of less than $30 or a small gift.¹

If you live in an apartment or work in an office, fellow residents or coworkers may contribute to a pooled holiday fund for building employees.

Cash or gifts? While cash is often most appreciated, a thoughtful handmade gift can also be meaningful, especially if it is accompanied by a handwritten note.

Keep in mind that there may be instances where certain types of gifts are prohibited, so it is always best to check to make sure that a gift isn’t against a company’s policy. For example, United States Postal Service mail carriers are not allowed to receive cash gifts, checks, or gift cards.² In addition, some workplaces may not allow employees to receive gifts of alcohol.

Questions about this topic? Contact First Financial’s Investment & Retirement Center by calling 732.312.1534.  You can also email mary.laferriere@lpl.com or maureen.mcgreevy@lpl.com

Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker/dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. First Financial Federal Credit Union (FFFCU) and First Financial Investment & Retirement Center are not registered as a broker/dealer or investment advisor. Registered representatives of LPL offer products and services using First Financial Investment & Retirement Center, and may also be employees of FFFCU. These products and services are being offered through LPL or its affiliates, which are separate entities from and not affiliates of FFFCU or First Financial Investment & Retirement Center.

Securities and insurance offered through LPL or its affiliates are:

1) The Emily Post Institute, 2025

2) United States Postal Service, 2025

The information provided is not intended to be a substitute for specific individualized tax planning or legal advice. We suggest that you consult with a qualified tax or legal professional.

LPL Financial Representatives offer access to Trust Services through The Private Trust Company N.A., an affiliate of LPL Financial.

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