I’ve been thinking a lot this past year about how so many people were/are unable to NOT work and allow the novel coronavirus subside due to decades or multiple lifetimes of insufficient income which led to a lack of savings.

Education plays a factor, yes, but without having the material substance (money) what good does knowing how to budget, save & invest do?

There have been many discussions about economist I have heard parts of and wish to think more about, but one I actually listened to in it’s entirety I share with you here. You may listen for 50 minutes or read the transcript.

I found this podcast episode incredibly illuminating. I hope you do, too.

Below is my original post from 2015:

Do you tip a haircutter?

The short answer: if you want to.

When you value the service given higher than the amount asked, add a tip. If you are truly appreciative, but financially unable to tip, express your pleasure verbally and return regularly. You could also recommend your haircutter to others. There is no greater compliment than a loyal clientele–true haircutter success takes hundreds of clients getting 1 to 52 haircuts year after year.

Other considerations:

Tips are especially appreciated where service prices are uniformly set for every haircutter and where stylists are paid wages–a cruel practice I am fervently opposed to.  (For example: the business charges you $15.50 for a haircut, but pays the person who cut your hair an hourly wage of, say, $7.50. If she does two cuts in an hour, the business makes $31 of which less than 25% will go to the one who did the work.) In these cases, any additional money you gift your haircutter shows you value their unique service.

I’ve been told it’s common practice not to tip shop/salon owners with employees, since they profit by collecting either a small percentage of their business or weekly chair rents.

~ amanda