"1When it comes to holiday tipping, the easiest thing to think is that it's really holiday thanking. It's a time to say thank you to the service providers in your life."

2Amid high-interest rates, rising credit card debt, and 3lingering inflation, it might be challenging. But as Americans 4face more options to tip every day, Bankrate's Ted Rossman says they seem to be 5drawing distinctions with those they see more often. 

"Everything from complaining about the pre-entered tip screens to thinking that we're just 6being pressured too much and tipping has gotten 7out of control. I think a lot of people are separating that now. Maybe some of it is that holiday cheer, and 8goodwill."

 The Emily Post Institute has a full list of holiday tipping recommendations on their website, Emilypost.com. Some examples for a regular babysitter, up to one evening's pay. For a dog-walker, up to one week's pay or an 9equivalent gift. For a 10barber, up to the cost of a haircut or a gift. For a trash and recycling collector, $10 to $30 cash or a gift, if that 11complies with 12municipal rules. And for a handyman, $15 to $40 or a similar gift. But Lizzie Post says those are just guidelines. It's the 13sentiment-whether cash, homemade treats, a small gift, or just a card-that really matters.

"You might not be able to 14afford to hit all of them on your list. And that's okay. You can always write a card stating your 15appreciation to anyone and this is a great time of year to do just that."