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If money is that much of a concern I would say don't tip at all.
[quote name="Creexuls, a monster >:3"]Aside from pizza disasters, the most I know about tipping is that almost everyone wants a tip now, even if they didn't do shit. If you're going to the kinds of places where people tip regularly though that means you are rich enough to tip so it shouldn't even be an issue. If you're just going to McDonalds or a bar or something you probably don't really need to do it unless you have so much money you can just give it away.[/quote]