BMO’s Holiday Tip Sheet

I came across a pretty interesting press release at BMO Bank of Montreal, which from I can see, can definitely help a lot of people determine their holiday budget.

Staying on budget is a lot harder, especially in the holiday season. That being said, as we are human, we can easily overlook the people who provide reliable service and quality throughout the year.

That being said, BMO has provided a list of services and other professionals that should be considered within your holiday budget, and a suggested gift/ gratuity.

I went through the list from BMO and chose to kept the various ones that I felt were important.

Do I need to pay anyone anything?

Giving someone a gift or gratuity for the level of service they have provided to you in my opinion all depends on the person and your financial standing. If you can budget it accordingly, then it would be a nice gesture. It is not something that HAS to be done, but it is something that IS done because it shows that person that you appreciate everything they have done throughout the year, and look forward to the new year.

In all honesty, the guidelines above are strictly guidelines, they do not have to be followed perfectly. If you are in a budget constraint, but you want to give a gift, then consider giving something small, a homemade item could work.

When you do give your gift, be sure to include some sort of hand written note; you do not want your gift to come across as a mundane task that you are doing because you feel obligated to.

Again, the table above is only a suggestion, in the end it is what you can afford and to people you feel you should be giving something to.

How do you tip in the holiday season?