The Renters' Guide to Tipping

"When I sold my house and moved into my apartment," says Lydia Morgan, an enthusiastic renter in Chicago, "I loved not worrying about the foundation of my home. I have a great landlord, and I wanted to do something to show my appreciation to her but I wasn't sure what was appropriate."

While renting your home does get you out of things like cleaning your building's gutters, it doesn't entirely get you out of holiday tipping. In fact, in Morgan's case, a holiday tip is exactly solution to her quandary.

But what are the rules? Who do you have to tip and from whom can you save a few bucks to put toward your holiday credit card bill? Follow the renters' guide to tipping and you can show the right people your appreciation at this time of year: