We all
already know that dining out, and convenience foods can end up costing you not
only in the pocketbook, but in your waist line.
But did you know other forms of conveniences can cost you money too?
Getting cash
back at Wal-Mart and other places is so much more convenient than going to the
bank right? But did you know that if you are using a credit card to make your
purchases and you say yes to cash back you can be hit with cash advance fees
and/or higher interest rates?
Even though
you don’t ask for cash back there has been a rash of scams lately where your
receipt says you got cash back, but it was actually the cashier and the person
in line behind you, the cashier’s partner in the scam, that got it. Always read your receipt before you leave the
register, whether you use credit cards or debit cards to avoid being caught in
this popular scam. Or better yet, use cash envelopes and pay for everything in
cash.
Last night
my dh took me out to dinner at Chili’s.
The meal was good. The wait staff was very attentive and deserved a
decent tip. However, we don’t give a
flat percentage of the bill as a tip. We
tip on merit, not the cost of the food. Give us lousy service and your tip will
be lousy. Great service a sweet tip.
Don’t get me
wrong, we never stiff a server, but I have waited tables as a teen and I know
that tips are meant to be a comment on your service.
It is our
feeling that no matter what type of food establishment you are in whether it is
a Sonic carhop, or a waiter at a very expensive restaurant, putting forth a
good effort to make the customer’s dining experience more enjoyable takes the exact
same amount of effort by the wait staff.
Therefore,
we have set amounts we pay for the various degrees of attentiveness. Our waiter last night was excellent.
She would
have made the bar maids of the original conception of tipping proud. For those of you who don’t know the history
of tipping it started back when taverns were where you ate, drank and often
slept overnight.
When your
cup was empty and you wanted a refill you put your coins to pay for the next
beverage in your cup and clanked it around to get the barmaid’s attention.
She would
then “tip” the coins out and the purchaser could tell them to keep the change
or not.
Of course we
didn’t have to put coins in our cups last night. That sort of thing just isn’t done any more,
but she did make certain we had ample beverage, napkins, and all our other
needs were met before we even realized we had a need. Therefore, she was
destined to get a higher tip than many of the wait staff get.
Chili’s is
one of the restaurants that is starting to switch over to more and more
automation. On our table was a tablet
that allowed us to pay our bill using our debit card and the server never had
to even touch it. You can also order
dessert and drinks through this tablet, or for a fee play games. Thus cutting
down the amount of time a server spends at your table.
Since dh is
all about electronic toys he opted to use the tablet and laid our receipt from
the server on the table in front of me.
That’s when I saw how a supposedly innocent looking convenience on the
ticket can cost you money. When I
mentioned it to him he checked the tablet and discovered it had the exact same
tip scale on it.
Chili’s is
one of those who has that handy little scale on the ticket to tell you what
your tip should be based on percentages.
Only the math was wrong, very wrong.
Our bill for
the meal and appetizer for the three of us was $31.68 before taxes. After all it’s suppose to be 15% on what you
bought, not what you give the Uncle.
The chart
showed the following numbers:
15% = 6.07
18%=7.29
20%=8.09
22%=8.90
HUH? 15% of $31.68 is 4.75! and 22% is 6.96.
OK, so where
did the amounts they were showing come
from. Maybe they included the
free queso that we had an electronic coupon for in the amount.
That was a
$5.69 value, which would have brought our before tax amount to 37.37, That is
still only 5.61 for a 15% tip.
So did they
calculate it on the tax too? Add another $2.09 to our total bringing it up to
39.46. No the tip at that point with both added in would still only be $5.92
for the total for a 15% tip and $8.68 for the 22%. So where did they get their numbers? Simple,
they had just decided what they felt the tip should be on that amount.
The difference
in what a tip based on percentage should actually be ranged from as little as
$.15 to as high as $1.94. I know some
say that those differences aren’t worth the calculation time, but multiply this
amount by how many times you do it a year and in varying restaurants with
varying price ranges and it can really add up to use that convenience.
Plus if you
are still using credit cards (and I ask again why would you be?) you are very
likely paying interest on that extra little tip you got hit with.
So do as we
do and have a set tip scale you use for the amount of service you receive OR do
your own math. The savings can really
add up. After all as Granny always said “Mind
your pennies and your dollars will mind themselves.”
Jan who was
surprised to see this on the receipt and wonders how many other restaurants
have such errors in them.
