{"id":213971,"date":"2025-12-03T22:35:09","date_gmt":"2025-12-03T22:35:09","guid":{"rendered":"https:\/\/www.europesays.com\/ie\/213971\/"},"modified":"2025-12-03T22:35:09","modified_gmt":"2025-12-03T22:35:09","slug":"how-much-to-tip-during-holidays-plus-money-tools-that-make-it-easy","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/ie\/213971\/","title":{"rendered":"How Much To Tip During Holidays, Plus Money Tools That Make It Easy"},"content":{"rendered":"<p>&#8216;Tis the season of <a href=\"https:\/\/www.cnbc.com\/select\/best-charitable-giving-and-donation-platforms\/\" rel=\"nofollow noopener\" target=\"_blank\">giving back<\/a> \u2014 whether it&#8217;s in the form of gifts, donations or a thank-you tip to seasonal workers.<\/p>\n<p>Discussions around tipping have sparked debate in recent years as Americans found themselves bewildered to be asked to <a href=\"https:\/\/www.wsj.com\/lifestyle\/tipping-self-checkout-restaurants-airports-c3e09f7\" target=\"_blank\" rel=\"nofollow noopener\">tip at a self-service checkout<\/a>. But one thing we can probably all agree on is that those who&#8217;ve made our life easier throughout the year deserve a year-end show of appreciation.<\/p>\n<p>In fact, this year, over half of Americans (56%) plan on gifting or tipping their housekeeper and 47% are giving extra to their childcare provider and teacher, respectively, according to a <a href=\"https:\/\/www.bankrate.com\/credit-cards\/news\/holiday-tipping-survey\" target=\"_blank\" rel=\"nofollow noopener\">recent Bankrate survey<\/a>.<\/p>\n<p>Here are some tips on holiday tipping.<\/p>\n<p><a id=\"headline0\"\/>How to budget for holiday tipping<\/p>\n<p>It&#8217;s the start of December, which is the perfect time to set a limit to how much you want to spend on holiday tips between now and the new year. Start by choosing a total amount that you&#8217;re comfortable spending, and then make a list of those you want to tip, starting with the highest priority \u2014 or those who&#8217;ve really gone the extra mile. You can note how much you tipped each person last year, for reference, and make any tweaks necessary for this year, keeping in mind your total spend goal.<\/p>\n<p>Use a budgeting tool<\/p>\n<p>You can see how your holiday tipping fits into your overall holiday spending, and beyond, with a <a href=\"https:\/\/www.cnbc.com\/select\/best-budgeting-apps\/\" rel=\"nofollow noopener\" target=\"_blank\">budgeting app<\/a>. In an app like <a href=\"https:\/\/monarchmoney.sjv.io\/c\/2465030\/1181531\/14860?subId1=impactradius\" rel=\"nofollow noopener\" target=\"_blank\">Monarch<\/a>, you can make holiday tips as its own custom category and then input each tip so you track in real time how close you are to reaching your holiday tipping budget.<\/p>\n<p><a href=\"https:\/\/monarchmoney.sjv.io\/c\/2465030\/3070014\/14860?subId1=impactradius\" rel=\"sponsored nofollow noopener\" target=\"_blank\">Monarch <\/a><\/p>\n<ul class=\"Features-styles-select-creditCard--Eb4ur Features-styles-select-featureList--o2tBn\">\n<li class=\"Features-styles-select-featureItem--XBWNy\">Cost\n<p>$8.33\/month (billed $99.99 annually); $14.99\/month (billed monthly) &#8211; get 50% off your first year with code <strong>CNBC50<\/strong><\/p>\n<\/li>\n<li class=\"Features-styles-select-featureItem--XBWNy\">Free trial\n<p>7-day free trial is available before subscribing<\/p>\n<\/li>\n<li class=\"Features-styles-select-featureItem--XBWNy\">Standout features\n<p>Net worth tracker, investment portfolio tracking, goal creation and progress tracking, budgeting and expense tracking<\/p>\n<\/li>\n<li class=\"Features-styles-select-featureItem--XBWNy\">Categorizes your expenses\n<p>Yes, but users can modify<\/p>\n<\/li>\n<li class=\"Features-styles-select-featureItem--XBWNy\">Links to accounts\n<p>Yes, bank and credit cards, as well as IRAs, 401(k)s, mortgages and loans<\/p>\n<\/li>\n<li class=\"Features-styles-select-featureItem--XBWNy\">Availability\n<p>Offered in both the App Store (for iOS) and on Google Play (for Android); web version also offered<\/p>\n<\/li>\n<li class=\"Features-styles-select-featureItem--XBWNy\">Security features\n<p>Utilizes industry-leading security practices, according to Monarch&#8217;s <a href=\"https:\/\/help.monarchmoney.com\/hc\/en-us\/articles\/360048393572-Privacy-and-security\" target=\"_blank\" rel=\"nofollow noopener\">website<\/a><\/p>\n<\/li>\n<\/ul>\n<p>Pros<\/p>\n<ul>\n<li class=\"ProsAndCons-styles-select-item--ZT8du\">Easy-to-navigate money-tracking dashboard, including a net-worth tracker<\/li>\n<li class=\"ProsAndCons-styles-select-item--ZT8du\">Easily syncs to your bank, credit cards and other financial accounts<\/li>\n<li class=\"ProsAndCons-styles-select-item--ZT8du\">Users can add collaborators for free<\/li>\n<li class=\"ProsAndCons-styles-select-item--ZT8du\">Seven-day free trial<\/li>\n<\/ul>\n<p>Cons<\/p>\n<ul>\n<li class=\"ProsAndCons-styles-select-item--ZT8du\"> Subscription is pricier than competitors<\/li>\n<li class=\"ProsAndCons-styles-select-item--ZT8du\">Recommendations in the &#8220;advice&#8221; tab are generic<\/li>\n<\/ul>\n<p><a href=\"https:\/\/secure.money.com\/pr\/ea98f214b7a1\" rel=\"nofollow noopener\" target=\"_blank\">PocketGuard<\/a> also allows users to track different budgeting categories, and the app is especially helpful when creating a debt payoff plan \u2014 a valuable tool if you&#8217;re aiming to free yourself of debt as a New Year&#8217;s resolution. Users can get a personalized payoff schedule once choosing the <a href=\"https:\/\/www.cnbc.com\/select\/debt-snowball-vs-debt-avalanche\/\" rel=\"nofollow noopener\" target=\"_blank\">snowball or avalanche repayment method<\/a>, and PocketGuard will prioritize your debt payments based on the payoff strategy to ensure you stay on track.<\/p>\n<p><a href=\"https:\/\/secure.money.com\/pr\/ea98f214b7a1\" rel=\"sponsored nofollow noopener\" target=\"_blank\">PocketGuard<\/a><\/p>\n<p>Information about PocketGuard has been collected independently by CNBC Select and has not been reviewed or provided by PocketGuard prior to publication.<\/p>\n<ul class=\"Features-styles-select-creditCard--Eb4ur Features-styles-select-featureList--o2tBn\">\n<li class=\"Features-styles-select-featureItem--XBWNy\">Cost\n<p>Basic PocketGuard plan is free, while PocketGuard Premium subscription is $12.99 per month or $74.99 annually. Lifetime membership offer available at a reduced rate.<\/p>\n<\/li>\n<li class=\"Features-styles-select-featureItem--XBWNy\">Standout features\n<p>In My Pocket feature uses your income, recurring expenses and savings goals to determine how much you have for everyday spending.<\/p>\n<\/li>\n<li class=\"Features-styles-select-featureItem--XBWNy\">Categorizes your expenses\n<p>Yes, but users can customize<\/p>\n<\/li>\n<li class=\"Features-styles-select-featureItem--XBWNy\">Links to accounts\n<p>Yes, users can\u00a0connect accounts through Plaid and Finicity\u00a0to import data automatically or manually add cash accounts for tracking <\/p>\n<\/li>\n<li class=\"Features-styles-select-featureItem--XBWNy\">Availability\n<p>Offered in both the App Store (for iOS) and on Google Play (for Android)<\/p>\n<\/li>\n<li class=\"Features-styles-select-featureItem--XBWNy\">Security features\n<p>PocketGuard utilizes bank-level encryption, PINs and biometrics like Touch ID and Face ID<\/p>\n<\/li>\n<li class=\"Features-styles-select-featureItem--XBWNy\">Availability\n<p>Offered in both the App Store (for iOS) and on Google Play (for Android)<\/p>\n<\/li>\n<\/ul>\n<p>Pros<\/p>\n<ul>\n<li class=\"ProsAndCons-styles-select-item--ZT8du\">Includes bill payment tracker and bill negotiation service<\/li>\n<li class=\"ProsAndCons-styles-select-item--ZT8du\">Lifetime membership option offers additional savings<\/li>\n<li class=\"ProsAndCons-styles-select-item--ZT8du\">A+ from Better Business Bureau <\/li>\n<\/ul>\n<p>Cons<\/p>\n<ul>\n<li class=\"ProsAndCons-styles-select-item--ZT8du\">Basic free plan only allows two budget categories<\/li>\n<li class=\"ProsAndCons-styles-select-item--ZT8du\">Transactions may be categorized incorrectly<\/li>\n<\/ul>\n<p>You don&#8217;t have to use cash<\/p>\n<p>Tips usually mean cold, hard cash, but these days, you can feel free to tip via a <a href=\"https:\/\/www.cnbc.com\/select\/best-money-transfer-payment-apps\/\" rel=\"nofollow noopener\" target=\"_blank\">money transfer app<\/a>. Use an app like <a href=\"https:\/\/cash.app\/families\" rel=\"nofollow noopener\" target=\"_blank\">Cash App<\/a>, <a href=\"https:\/\/venmo.com\/\" rel=\"nofollow noopener\" target=\"_blank\">Venmo<\/a> or <a href=\"https:\/\/www.zellepay.com\/\" rel=\"nofollow noopener\" target=\"_blank\">Zelle<\/a> \u2014 just ensure that you&#8217;re sending money to the correct person with their email address, phone number or username. And, of course, include a sweet, personalized message for the holidays.<\/p>\n<p><a href=\"https:\/\/cash.app\/families\" rel=\"sponsored nofollow noopener\" target=\"_blank\">Cash App Families<\/a><\/p>\n<ul class=\"Features-styles-select-creditCard--Eb4ur Features-styles-select-featureList--o2tBn\">\n<li class=\"Features-styles-select-featureItem--XBWNy\">Cost\n<p>Free sponsored account for kids 13 to 17 who are invited by an eligible parent or legal guardian*<\/p>\n<\/li>\n<li class=\"Features-styles-select-featureItem--XBWNy\">Transfer speed\n<p>1 to 3 business days, or instant cash-out deposits for a 1.5% fee (25-cent minimum)<\/p>\n<\/li>\n<li class=\"Features-styles-select-featureItem--XBWNy\">Standout features\n<p>Teens with Family Accounts can access peer-to-peer transactions and the Cash App Card, and invest in stocks and buy and sell Bitcoin. Parents can monitor activity and control access to features. Cash App Offers automatically discounts purchases from participating retailers.<\/p>\n<\/li>\n<li class=\"Features-styles-select-featureItem--XBWNy\">Links to accounts\n<p>Yes, bank accounts and credit cards<\/p>\n<\/li>\n<li class=\"Features-styles-select-featureItem--XBWNy\">Availability<\/li>\n<li class=\"Features-styles-select-featureItem--XBWNy\">Security features\n<p>Data encryption and fraud detection technology; unique, one-time login codes, two-factor authentication<\/p>\n<\/li>\n<li class=\"Features-styles-select-featureItem--XBWNy\">\n<p>Cash App is a financial services platform, not a bank. Banking services provided by Cash App&#8217;s bank partner(s). Prepaid debit cards issued by Sutton Bank, Member FDIC. See <a href=\"https:\/\/cash.app\/legal\/us\/en-us\/card-agreement\" target=\"_blank\" rel=\"nofollow noopener\">Terms and Conditions<\/a>.\u00a0<\/p>\n<\/li>\n<\/ul>\n<p>*To view the eligibility requirements for sponsoring a teen, please visit the Sponsored Accounts section of the <a href=\"https:\/\/cash.app\/legal\/us\/en-us\/card-agreement#toc-sponsored-accounts\" target=\"_blank\" rel=\"nofollow noopener\">Cash App Terms of Service<\/a>.<\/p>\n<p>Pros<\/p>\n<ul>\n<li class=\"ProsAndCons-styles-select-item--ZT8du\">Free debit card available<\/li>\n<li class=\"ProsAndCons-styles-select-item--ZT8du\">Parents can monitor activity, set limits and control features<\/li>\n<li class=\"ProsAndCons-styles-select-item--ZT8du\">Teens can invest in stocks<\/li>\n<\/ul>\n<p>Cons<\/p>\n<ul>\n<li class=\"ProsAndCons-styles-select-item--ZT8du\">3% processing fee if paying with a linked credit card<\/li>\n<li class=\"ProsAndCons-styles-select-item--ZT8du\">Instant cash-outs subject to fee of between 0.5% and 1.75%<\/li>\n<li class=\"ProsAndCons-styles-select-item--ZT8du\">Peer-to-peer transactions may be more difficult to dispute<\/li>\n<li class=\"ProsAndCons-styles-select-item--ZT8du\">Bitcoin and investment balances are not insured by the FDIC<\/li>\n<\/ul>\n<p><a href=\"https:\/\/venmo.com\/\" rel=\"sponsored nofollow noopener\" target=\"_blank\">Venmo<\/a><\/p>\n<ul class=\"Features-styles-select-creditCard--Eb4ur Features-styles-select-featureList--o2tBn\">\n<li class=\"Features-styles-select-featureItem--XBWNy\">Cost\n<p>No charge for sending money from a linked bank account, debit card or your Venmo account; a 3% fee for sending money using a linked credit card<\/p>\n<\/li>\n<li class=\"Features-styles-select-featureItem--XBWNy\">Transfer speed\n<p>Instant transfer to Venmo balance; 1 to 3 business days for direct deposit (free) or instant transfer to your bank account for 1% fee ($10 max)<\/p>\n<\/li>\n<li class=\"Features-styles-select-featureItem--XBWNy\">Standout features\n<p>Links to popular apps; social features to interact with your friends&#8217; payments (including stickers and emojis); Venmo debit and credit cards<\/p>\n<\/li>\n<li class=\"Features-styles-select-featureItem--XBWNy\">Links to accounts\n<p>Yes, bank and credit cards<\/p>\n<\/li>\n<li class=\"Features-styles-select-featureItem--XBWNy\">Availability\n<p>Only available in the U.S. and only compatible with U.S.-based bank accounts and phone numbers; compatible with iOS &amp; Android<\/p>\n<\/li>\n<li class=\"Features-styles-select-featureItem--XBWNy\">Security features\n<p>Multi-factor authentication when signing in; QR code readers to make sure you link to the correct user account before you send money<\/p>\n<\/li>\n<\/ul>\n<p>Pros<\/p>\n<ul>\n<li class=\"ProsAndCons-styles-select-item--ZT8du\">Easy-to-use interface and large base of users<\/li>\n<li class=\"ProsAndCons-styles-select-item--ZT8du\">Can link to online merchants and popular apps, including Uber and Seamless<\/li>\n<li class=\"ProsAndCons-styles-select-item--ZT8du\">Free Venmo debit card available<\/li>\n<li class=\"ProsAndCons-styles-select-item--ZT8du\">Venmo Credit Card earns rewards in your most popular spending categories<\/li>\n<\/ul>\n<p>Cons<\/p>\n<ul>\n<li class=\"ProsAndCons-styles-select-item--ZT8du\">3% processing fee when using a linked credit card<\/li>\n<li class=\"ProsAndCons-styles-select-item--ZT8du\">1% fee for instant cashouts<\/li>\n<li class=\"ProsAndCons-styles-select-item--ZT8du\">Can&#8217;t cancel sent payments<\/li>\n<\/ul>\n<p><a href=\"https:\/\/www.zellepay.com\/\" rel=\"sponsored nofollow noopener\" target=\"_blank\">Zelle<\/a><\/p>\n<ul class=\"Features-styles-select-creditCard--Eb4ur Features-styles-select-featureList--o2tBn\">\n<li class=\"Features-styles-select-featureItem--XBWNy\">Cost\n<p>Free (but check with your bank to ensure it doesn&#8217;t charge an additional fee)<\/p>\n<\/li>\n<li class=\"Features-styles-select-featureItem--XBWNy\">Transfer speed\n<p>Instant: transactions typically occur in minutes when the recipient&#8217;s email address or U.S. mobile number is already enrolled with Zelle<\/p>\n<\/li>\n<li class=\"Features-styles-select-featureItem--XBWNy\">Standout features\n<p>No need to download an extra app; Zelle is already included with most mobile banking apps<\/p>\n<\/li>\n<li class=\"Features-styles-select-featureItem--XBWNy\">Links to accounts\n<p>Yes, to U.S. bank accounts<\/p>\n<\/li>\n<li class=\"Features-styles-select-featureItem--XBWNy\">Availability\n<p>iOS and Android; must have U.S. bank account linked to an email address or compatible U.S. phone number<\/p>\n<\/li>\n<li class=\"Features-styles-select-featureItem--XBWNy\">Security features\n<p>The Zelle app uses authentication and monitoring features to make your payments more secure<\/p>\n<\/li>\n<\/ul>\n<p>Pros<\/p>\n<ul>\n<li class=\"ProsAndCons-styles-select-item--ZT8du\">Fastest money-sending method (when both sender and recipient are signed up)<\/li>\n<li class=\"ProsAndCons-styles-select-item--ZT8du\">Compatible with hundreds of U.S. banks and credit unions<\/li>\n<\/ul>\n<p>Cons<\/p>\n<ul>\n<li class=\"ProsAndCons-styles-select-item--ZT8du\">You can&#8217;t link your account to credit card to use as payment method<\/li>\n<li class=\"ProsAndCons-styles-select-item--ZT8du\">You can&#8217;t send money to international bank accounts<\/li>\n<li class=\"ProsAndCons-styles-select-item--ZT8du\">Recipients must sign up for Zelle to receive money (if the recipient doesn&#8217;t enroll within 14 days, the payment will expire, and the funds will be returned to your account)<\/li>\n<\/ul>\n<p><a id=\"headline1\"\/>How much to tip during the holidays<\/p>\n<p>How much to tip during the holidays really depends on how much you can afford, the cost of the service and your relationship to the provider \u2014 someone you&#8217;ve known for years is probably getting a higher tip. For a general guide, <a href=\"https:\/\/www.fidelity.com\/learning-center\/smart-money\/holiday-tipping-guide\" target=\"_blank\" rel=\"nofollow noopener\">Fidelity<\/a> recommends using &#8220;up to&#8221; amounts, such as up to a week&#8217;s pay or up to the cost of one session.<\/p>\n<p>Here are specific guidelines, per Fidelity:<\/p>\n<ul>\n<li><strong>Babysitter\/nanny:<\/strong> one typical session\/one week&#8217;s pay<\/li>\n<li><strong>Daycare staffer:<\/strong> $25\u2013$75, depending on weekly hours<\/li>\n<li><strong>Hairstylist\/colorist\/barber:<\/strong> cost of one service<\/li>\n<li><strong>Home health aide\/in-home caregiver:<\/strong> one week&#8217;s pay<\/li>\n<li><strong>Housecleaner:<\/strong> cost of one visit<\/li>\n<li><strong>Landscaper\/groundskeeper (including snow removal):<\/strong> one session<\/li>\n<li><strong>Massage therapist you visit regularly:<\/strong> one session<\/li>\n<li><strong>Manicurist\/pedicurist you visit regularly:<\/strong> one session<\/li>\n<li><strong>Newspaper delivery person:<\/strong> $10 to $30<\/li>\n<li><strong>Personal trainer:<\/strong> one session<\/li>\n<li><strong>Pet sitter\/dog walker\/groomer:<\/strong> one session<\/li>\n<li><strong>Trash collectors\/sanitation workers:<\/strong> $10 to $30 each<\/li>\n<\/ul>\n<p>With wallets stretched thin this holiday season \u2014 consumers expect to spend on average 5% less on holiday shopping year over year, per <a href=\"https:\/\/www.pwc.com\/us\/en\/industries\/consumer-markets\/library\/holiday-outlook-trends.html\" target=\"_blank\" rel=\"nofollow noopener\">PwC&#8217;s 2025 Holiday Outlook survey<\/a> \u2014 sticking to these guidelines may not always be feasible. In that case, <a href=\"https:\/\/www.2ndstorywealth.com\/our-team\" target=\"_blank\" rel=\"nofollow noopener\">Nicole Carson<\/a>, CFP and founder of <a href=\"https:\/\/www.2ndstorywealth.com\/\" target=\"_blank\" rel=\"nofollow noopener\">2nd Story Wealth Planners, LLC<\/a>, suggests turning to meaningful alternatives like handwritten notes that can be just as thoughtful.<\/p>\n<p>&#8220;People are tipping a bit more this year because the cost of everyday goods has gone up, but many families are still feeling the pressure of inflation,&#8221; Carson tells <a href=\"https:\/\/www.cnbc.com\/select\/\" rel=\"nofollow noopener\" target=\"_blank\">CNBC Select<\/a>. &#8221;\u00a0I am seeing a mix of slightly higher tips and thoughtful gestures like handwritten notes or small gifts. The desire to show appreciation is still strong; people are just finding ways to make it meaningful and manageable.&#8221;<\/p>\n<p><strong>Subscribe to the CNBC Select Newsletter!<\/strong><\/p>\n<p>Money matters \u2014\u00a0so make the most of it. Get expert tips, strategies, news and everything else you need to maximize your money, right to your inbox.\u00a0<a href=\"https:\/\/www.cnbc.com\/money-matters-newsletter\/\" rel=\"nofollow noopener\" target=\"_blank\">Sign up here<\/a>.<\/p>\n<p><a id=\"headline2\"\/>Meet our experts<a id=\"headline3\"\/>Why trust CNBC Select?<\/p>\n<p>At <a href=\"https:\/\/www.cnbc.com\/select\/\" rel=\"nofollow noopener\" target=\"_blank\">CNBC Select<\/a>, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every personal finance article is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of personal finance products. While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics.<\/p>\n<p><strong>Catch up on CNBC Select&#8217;s in-depth coverage of\u00a0<\/strong><a href=\"https:\/\/www.cnbc.com\/select\/credit-cards\/\" rel=\"nofollow noopener\" target=\"_blank\"><strong>credit cards<\/strong><\/a><strong>,\u00a0<\/strong><a href=\"https:\/\/www.cnbc.com\/select\/banking\/\" rel=\"nofollow noopener\" target=\"_blank\"><strong>banking<\/strong><\/a><strong>\u00a0and\u00a0<\/strong><a href=\"https:\/\/www.cnbc.com\/select\/money\/\" rel=\"nofollow noopener\" target=\"_blank\"><strong>money<\/strong><\/a><strong>, and follow us on <\/strong><a href=\"https:\/\/www.tiktok.com\/@cnbcselect\" target=\"_blank\" rel=\"nofollow noopener\"><strong>TikTok<\/strong><\/a><strong>,\u00a0<\/strong><a href=\"https:\/\/www.facebook.com\/CNBCSelect\/\" target=\"_blank\" rel=\"nofollow noopener\"><strong>Facebook<\/strong><\/a><strong>,\u00a0<\/strong><a href=\"https:\/\/www.instagram.com\/cnbcselect\/\" target=\"_blank\" rel=\"nofollow noopener\"><strong>Instagram<\/strong><\/a><strong>\u00a0and\u00a0<\/strong><a href=\"https:\/\/twitter.com\/CNBCSelect\" target=\"_blank\" rel=\"nofollow noopener\"><strong>Twitter<\/strong><\/a><strong>\u00a0to stay up to date.<\/strong><\/p>\n<p><strong>Editorial Note:<\/strong> Opinions, analyses, reviews or recommendations expressed in this article are those of the Select editorial staff\u2019s alone, and have not been reviewed, approved or otherwise endorsed by any third party.<\/p>\n<p><script async src=\"https:\/\/platform.twitter.com\/widgets.js\" charset=\"utf-8\"><\/script><script async src=\"\/\/www.instagram.com\/embed.js\"><\/script><script async src=\"\/\/www.tiktok.com\/embed.js\"><\/script><\/p>\n","protected":false},"excerpt":{"rendered":"&#8216;Tis the season of giving back \u2014 whether it&#8217;s in the form of gifts, donations or a thank-you&hellip;\n","protected":false},"author":2,"featured_media":213972,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[177],"tags":[57513,79,11902,18,19,17,234,235,107615,57515,107614,116541],"class_list":{"0":"post-213971","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-personal-finance","8":"tag-approved-for-apple","9":"tag-business","10":"tag-consumer-spending","11":"tag-eire","12":"tag-ie","13":"tag-ireland","14":"tag-personal-finance","15":"tag-personalfinance","16":"tag-select_advice","17":"tag-select_monetized","18":"tag-select_news","19":"tag-select-personal-finance"},"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@ie\/115658026042602286","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/ie\/wp-json\/wp\/v2\/posts\/213971","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.europesays.com\/ie\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.europesays.com\/ie\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/ie\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/ie\/wp-json\/wp\/v2\/comments?post=213971"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/ie\/wp-json\/wp\/v2\/posts\/213971\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/ie\/wp-json\/wp\/v2\/media\/213972"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/ie\/wp-json\/wp\/v2\/media?parent=213971"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/ie\/wp-json\/wp\/v2\/categories?post=213971"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/ie\/wp-json\/wp\/v2\/tags?post=213971"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}