Rising unemployment and a slow economy are causing many consumers to limit their expenses this holiday season – and that may include the holiday tips set aside for the service providers who've cared for them throughout the year.

Want to show your appreciation without breaking your budget? First, assess how much cash you can give. Consumers on a tight budget should focus on the people they depend on to, say, babysit or walk their dog. They take priority over those on a regular salary, since gratuities are often included within their paycheck, says Sheryl Garrett, a fee-only certified financial planner.

Also, consider the kinds of tips you can give. While many service providers prefer cash, small homemade gifts, like cookies or jam, are also appreciated, and will cost less to prepare. With every tip or gift, include a handwritten note expressing your gratitude.