Take care of your service providers

The end-of-year holidays put a dent in everyone's budget, but consider that anyone who provides a regular service for your family should be included on your "nice" list each year. If they're on your "naughty" list, find a new service provider.

"It's polite to always give a gift to you hairdresser paperboy, etcetera," said Sheila Keast, an etiquette trainer in Las Vegas. "Remember, with your hairdresser that you will have normally given her a tip when having your hair done throughout the year. I think a nice bottle of wine is sufficient. As for everyone else, like your paper boy or gardener, give what you feel is appropriate and also how it fits in with your finances."

The Emily Post Institute, one of the measuring sticks of modern etiquette, reminds that gifts and tips at the holidays are optional and the gift should reflect budget and relationship.

Who should you give to? Anyone who is regularly providing a service: hairdressers, housekeepers, teachers, day care staff, nurses, personal trainer, paperboys and the mailman.

"In today's society, it is proper to give gift cards, but make sure that you give the card that the person will use," said Florozeen Rand Gray, Las Vegas-based certified protocol and etiquette specialist. "For example, if you know that every morning your hairdresser stops by her favorite coffee house, you could give her a card from that house. Or if you are unsure, you can give a bank card, restaurant gift card or a department store card. Make sure that you put the card in a holiday gift card envelope."

When it comes to co-workers, check the office policy. Some offices draw names, do a Secret Santa program or don't exchange at all. If you choose to exchange, set a spending amount.

"Remember, know a little about the person you're giving a gift to and don't get upset if you receive a gift of lesser value," Rand said.

Also consider that some employer policies ban tips and cash gifts. Consider that teachers, postmen and others might be barred from accepting cash and that a small gift would be better suited for these professionals.

Consider this a time to teach your child about the spirit of giving, how to consider another person's wants to find something their teacher might actually want or use. Buy the teacher something they might enjoy and want, but not too personal (not bath bubbles).

To find an appropriate gift for all the service professionals (as well as friends and family) in your life, consider these main points:

— Make sure the gift has meaning and fits the recipient. Don't just buy something because it's on sale or because it looks costly.

— Instead of simply fulfilling a request, consider what you know the recipient might want or need and surprise them with your thoughtfulness. It will mean more when they don't have to ask for it.

— Consider giving a service, a membership or an experience instead of just buying "things."

— Buy someone things they might want for themselves but wouldn't splurge and buy. It's a nice treat without the guilt.

— Include a gift receipt. It's a gentle way of saying "It's OK to return it and get what you really want."

If you're strapped for cash and your budget doesn't allow you to give to everyone, consider homemade gifts, cookies or other delectable treats. And don't forget the power of a handwritten note of thanks. So if you're in a budget bind, you can still voice your thanks to the people who mean something to you. All it costs is a little bit of time.

"Just remember that they will appreciate the gesture no matter what it is," Keast said.

And what to do as a gift recipient and not the giver?

"If you receive a gift from someone you didn't purchase one for, a thank-you note is sufficient," she said.