According to Consumer Reports, 39% of Americans did not tip their service providers at the end of last year. But if you can find a little extra for your dog walker or hair stylist, here are some guidelines:
* According to the Wall Street Journal, a good rule is to give folks you use regularly a holiday tip equal to the cost of one service. So if it's $50 to clean your home, a $50 holiday tip is appropriate.
* If times are tight, then at least write a thank you note with whatever you are able to give.
* With government employees, do your research. Postal workers can't accept cash, or any gift valued more than $25.
* Some school districts frown upon teachers accepting cash, which could be viewed as a bribe.