By Dana Gornitzki

Just because tough times call for leaner spending, there is no excuse to cut back on tips when you do consume. Basic etiquette must kick in, and your judgement only calls for common sense.

Here are a few courteous steps to get you through this conduct conundrum:

1) First, take deep breaths, then proceed to next step please.

2) Don’t give up all of your luxuries, but do cut back and treat yourself once in a while. This way, you’ll still be able to indulge yourself and leave the appropriate tip for those who serve you. Many people in the service industry rely on  it. Look no further than your waiter or waitress, cab driver, barber, and manicurist.

Feeling a bit of pauvre syndrome? You're not alone.

3) Look at your budget, and think wisely. Do you need that coconut milk body scrub you’ve just booked? Most likely, the answer is no (we thought so). So just say no for now.

Only you can determine what’s within your budget, but as a rule of thumb it’s better to save your pennies and only indulge in luxuries you can afford right now — but remember always to tip appropriately. You’ll be thankful for the service you get.

What is an appropriate tip?

There are no hard and fast rules, but here are a few suggestions:

- 15% for hairdresser or manicurist (this applies if they don’t own the salon, If they are the owner, there is no obligation)

- 12.5%-20% at a restaurant (this varies, and suggested gratuity is often tacked on to bill).

- 10% for a cab driver or person delivering your food

What you tip often differs depending on where you are. The tipping culture is far more prevalent in North America. The Emily Post Institute has some helpful guidelines for everyday tipping.

Leaving a little something to show appreciation is the right and polite thing to do - chin chin to that.

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What do you think? Is it right or wrong to tip less during the credit crunch?

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