I know we’re all pinched for money right now; but that's no excuse to skimp on gratuities for the people serving us.

For those of us who aren’t in an industry that involves receiving tips, here are some basics about tipping – and how you can budget it into your life.

The Custom of Tipping

Here’s how you can avoid a tipping faux pas when you’re out.

• Do your homework. If you’re eating out somewhere other than your hometown, make sure you know what’s considered a standard tipping amount there. In general, for restaurant service, 15 % is considered standard. Good service deserves 20 %.
• Count it beforehand. The Internet can be your best friend when you’re planning a dinner out: you can check out consumer reviews, menus and even prices. This means there’s no excuse to be taken off-guard by the price of your bill – and use that surprise as a reason not to tip.
• Go somewhere cheaper if you can’t afford to tip. Many of us are cutting or trimming luxuries from our budgets. If you enjoy eating out but don’t think you can afford to tip anymore, eat at restaurants like Panera, where you can have a sit-down meal without being served.

Consider the Big Picture

Although you may be stretching your entertainment budget further these days, remember that you’re not alone.

Many hospitality industries (like hotels and restaurants) have had to cut employees’ hours or reduce their pay to save money.

The people serving you may be making less money than ever, and your skimping on a tip would only worsen that situation.

Who Gets What?

In case this is starting to sound too much like a lecture, let me mention that I realize some people don’t tip (or don’t tip enough) because they aren’t sure who expects a tip and who does not.

This tipping Web site can help: it lists standard tipping rates for most services in the U.S.

Bottom Line: Show your appreciation to those who are working hard to make sure you are enjoying yourself. (Also, paying it forward can lead to good karma!) You don't run the risk of filing bankruptcy if you tip reasonably.