Generosity often takes a toll when times are tough, and right now definitely qualifies as one of those times. General etiquette says that during the holidays, it's a nice touch to give an extra tip or gift to the people who make our lives easier, like hairstylists, postal people, and doormen. Do you tend to tip more during the holidays, and if so, are you reconsidering your usual amounts this season because money is tight?

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