Whom should we tip for the holidays — and how much?

You're likely planning to give some extra love to family and friends this time of year. But what about your dog walker or babysitter? If you haven't already, consider showing appreciation for your service providers with a gift or bonus gratuity.

After all, now is the time to "say 'thank you' and wish people well for the next year," said Lizzie Post, who hosts the "Awesome Etiquette" podcast and is based in Burlington, Vermont.

The kind sentiment around gifting and tipping is clear, sure, but the specifics can be confusing. How much do you give, and to whom? And what if the idea of shelling out more cash around the holidays turns your insides to eggnog?

You'll find answers to these questions below, but first, let's discuss timing. There's no need to get your tips, gifts and notes delivered by Christmas, and it's fine if you missed Hanukkah or are running behind on Kwanzaa. Shoot for some time around the new year.

Who should receive gifts or extra gratuity?

Show your generosity to providers you see consistently — at least four or five times throughout the year, said Crystal L. Bailey, director of The Etiquette Institute of Washington (in D.C.).

These are typically people "who you developed a closer professional relationship with, whose services you greatly appreciate," she added.

So, if you get your hair cut by whoever is available and don't know their name, don't worry about a gift or extra gratuity. But, if you're a regular client of a specific hairdresser, and they know just how to do your 'do, consider showing some year-end generosity.

Gifts or tips may also be appropriate for child care professionals, teachers, housekeepers, personal trainers and dog walkers. "That list is going to be a little different for everybody," Post said.

So think about who's regularly helped you out — like the apartment super if they've had to unlock your door several times.

Who gets gratuity, and how much?

Tip people whom you pay directly. For example, say you typically give a provider cash or pay electronically with a card swipe or an app such as Venmo or PayPal. Bailey said it's fine to use the same payment methods to leave them a large year-end tip.

How much to tip depends on your finances and what you're comfortable giving. Bailey suggested tipping up to the amount of a single service. So, if your every-other-month massage is $75, she says, "I'd tip them $25, $50 or up to that $75." Or, she says, double your typical tip.

However much you give, put that money in a card "with a note of your gratitude," Post said.

Who gets gifts, and what kind?

Gifts and gift cards are better for providers you don't pay directly. You wouldn't give your kid's teacher cash, for example, but Bailey said a gift card would be fine. For extra credit, go with a gift card for a nearby coffee shop or restaurant, she added, which makes the gesture more personal and supports a local business.

Consumables can make good gifts, too, according to both Bailey and Post. A plate of cookies, for example, works particularly well as a shareable group or staff gift. If you make those cookies yourself, Post suggested including a list of ingredients or common allergens, such as nuts.

Try to avoid gifts that take up a lot of space, Bailey said, as well as personal items, such as clothes or scents.

What if I can't afford tips and gifts?

All this year-end generosity isn't meant to break your budget, Post said. And while these tips and gifts are customary, she said, "they're not guaranteed bonuses."

If giving all this money is stressful (or not feasible), Post suggested you "breathe, and think about your own life and what works for you."

Maybe you give no tips or gifts this year. Or perhaps you give to only a few providers. In that case, "prioritize who has really been invaluable to you this year," Post said.

Words can go a long way, too, she added. Always write a note, regardless of whether you tip someone. If you typically give a large year-end tip but can't afford it this year, Post suggested briefly explaining that in the note. Otherwise, your provider may wonder whether they did something wrong.

For the rest of the note, Post said, don't overthink it. Thank the provider for their wonderful service, she said, and wish them well for the year ahead.

This article was provided to The Associated Press by the personal finance website NerdWallet. Laura McMullen is a writer at NerdWallet. Email: lmcmullen@nerdwallet.com. Twitter: @lauraemcmullen

RELATED LINKS:

NerdWallet: How much to tip just about everyone https://bit.ly/nerdwallet-how-much-to-tip