This article is from staff writer Kristin Wong.
The other day, I ordered a small pizza for lunch. The delivery guy showed up, sweating from the summer sun, and told me my total was $10. I had a twenty-dollar bill on me. As I handed it over to the exhausted, out-of-breath pizza guy, I felt bad asking for change. So, against my better judgment, I gave him the entire twenty. A 100 percent tip.
You’re thinking it, and I’ll be the first person to say it—that was stupid.
Sure, I wanted to be nice—it’s nice to be nice. But I had also just voluntarily paid double for something. And I’m in no financial position to pay double for things.
I vowed that my “politeness spending” had to end.
But first—how much have I been spending on being too nice—on avoiding confrontation or making financial decisions based on guilt? Here’s a look back on the past week.
Not Correcting the Sales Clerk–$2.00
As a kid, the worst thing that could happen during a shopping trip with my mom was the sales clerk wrongly ringing up her item. Oh man, the memories still haunt me. We could be late for an appointment, holding up a line—she didn’t care. She was going to get her twenty cents off those grapes.
Not to blame Mom, but I think that’s part of the reason I always shy away from correcting the sales clerks—even when they’re wrong. Part of me still remembers that twinge of dull despair in their eyes as Mom Wong asked to talk to a manager. I feel bad.
So the other day, when the sales associate at Bed, Bath & Beyond rang up my item for $2.00 more than it was marked, I didn’t say anything. There was no one behind me in line; he wasn’t terribly intimidating. I just didn’t say anything. I didn’t want to make a big deal out of it; I wanted to be polite.
That cost me two dollars.
Paying for a Friend’s Troubles–$10.00
I invited a friend out for happy hour the other night. I hadn’t seen her in a while, so I thought it would be nice to grab some drinks and catch up. When she got there, she complained about the awfulness of sitting in LA traffic after a rough day at the office. Nothing new. But when the check came, I made sure to pick it up because I felt bad. Since I invited her out, it was obviously my fault she had a rough evening. Silly, I know, and she even asked, “Are you sure?” “Yep,” I insisted. It was a nice gesture, sure. It also cost me ten dollars more than I was prepared to spend.
Just Saying ‘Yes’–$30.00
We’ve all been in this situation. A friend asks you to go out, but you 1) can’t afford it or 2) don’t want to afford it. I didn’t have the money to spend on brunch one morning. But a friend who I had already rain-checked twice in a row really wanted to hang out and have pancakes. I gave in (it was before I read this recent GRS piece). We had a good time, but I could have suggested doing something that involved not spending money. However, this friend enjoys brunch, and I wanted to please her. She was pleased. It cost me $30.00.
In the past week alone, I’ve spent $42.00 on being too “nice.” That’s $168 a month and $2,000 a year I’m spending to be polite.
And it doesn’t necessarily stop there. I’ve realized there are other instances in which this non-confrontational, people-pleasing side of me has literally had to pay for being polite. Examples include not asking for a raise and allowing a roommate to overcharge me for rent.
Why I Do It
You probably know this situation. You’re unhappy with your restaurant meal or service, the waiter comes by and asks, “How was everything?” And even though everything was subpar, you respond: “It was great.”
Maybe you’re an assertive person and this has never happened to you, but I think many of us have this problem. In fact, I know many of us have this problem, because a study found that people who do this—say “it was great” even though it wasn’t—actually end up tipping the waiter more despite being dissatisfied.
What’s all that about?
According to the researchers, consumers feel guilty about their dissatisfaction and try to cover up their white lie by tipping more. The phenomenon is so prevalent, according to the study, that waiters know about it!
The psychology behind this is an entire post in itself, but at its core, I think it has to do with wanting to be accepted. We avoid confrontation and try to make strangers happy because, instinctively, we want to be liked.
But how much money are you willing to spend on being liked? The clerk at Bed, Bath & Beyond is cool and all, but I wouldn’t pay for him to like me, which is essentially what I’m doing when I keep quiet in order to avoid annoying him.
How to Stop
What I’m starting to realize is—all of this isn’t really about being polite. It has more to do with fear. We fear confrontation. We fear not being liked. We fear losing our friends.
For me, what’s helped to curb politeness fear-based spending is doing exactly what I’ve just outlined here—figuring out how much money has gone to being “too nice.”
Sometimes it’s just a couple of dollars, but if I had a couples of dollars for every time I thought, “it’s just a couple of dollars,” well—I’d have $42 dollars this week.
What’s also helped is the realization that I have financial goals. So when I give the pizza guy a 100 percent tip out of what, at its core, is guilt, I’m being impolite to myself and irresponsible with my financial goals.
This isn’t to say politeness should be completely tossed out the window. If I’m in line, there are ten people behind me, the store is closing in five minutes, and they have to go get a manager over my two dollars, I’m probably just going to tell them to forget about it.
It seems simple, but I’m learning that politeness is based on kindness and manners, not fear or unfounded guilt.
Sure, I can take a friend out for drinks, and maybe if I really feel like making someone’s day, I can give them a big tip. But those decisions should be based on something positive.
And one final thought as we continue our journeys to financial success—as Bill Cosby once put it: “I don’t know the key to success, but the key to failure is trying to please everybody.”
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This article is about Psychology, Relationships
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I just did this at the farmers market this weekend. The bread guy added up my total in my head, which didn’t sound right to me. After I had paid it, I checked my calculator and noticed that he charged me an extra 25 cents. I even went back there to tell him that (in a nice way of course) but when he offered to give me the difference, I brushed it off as if it was okay. I think I didn’t want to seem like that kind of person who calculates every last penny, even though I really am that person and probably shouldn’t feel bad about it.
As far as bad service at a restaurant, I’m actually the opposite of that study, where I might say it’s okay, but then not tip as much.
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Great stuff, and interesting to think about. I think I’ve been a part of this as well, in terms of giving more when dissatisfied yet saying things were good. Maybe it’s conflict-avoidance?
As I get older, I think my critical thinking is improving, and I’m able to catch myself better in such situations. At least in terms of being more straightforward about expressing dissatisfaction for food or service if truly bad.
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I’ll admit it. I do it.
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Tips, to me, are like report cards. At the start, everyone starts with an A (20%) – it’s up to your performance to determine your final grade.
I will tell my server everything is okay or well(by my own definition), but it will reflect on the tip line. I don’t mess with people that handle my food. Occassionally, I’ll write a note on the receipt expressing my thoughts on the service – bullet points work nicely when pointing out flaws in the service. It’s then up to the server to decide if their behavior will change.
Very rarely do I confront the staff or manager unless it’s something that absolutely needs attention for the benefit of their business. I’ll tell a manager if the service is outstanding so that the server may get their kudos. It’s not right only to point out the negatives.
I’ll go back if the establishment is consistent with good service and food, but play the 3-strikes rule and walk away once I’ve deemed the establishment as ‘not worth it’.
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This post and many of the comments made me wonder if I had clicked into the Get Poor Slowly blog by accident. Tipping the pizza guy $10 was only one mistake. Buying a $10 pizza for lunch was probably the first. At least one reader suggested there’s nothing wrong with this treat, but that’s the problem: Is it a treat or a regular expense? I’d like to know.
There seems to be way to much eating out going on in these comments for anyone who really wants to get rich slowly. Or maybe these are all exceptions to normal spending.
I prefer this guy’s take. http://www.mrmoneymustache.com/2011/08/01/a-millionaire-is-made-ten-bucks-at-a-time/ I’m working on being more like that. It’s not easy, but it is incredibly rewarding.
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Hi Clint,
I read the blog you linked and I like the $10 game a lot!
In terms of eating out, I know most here at GRS budget for it. My eating out budget is small. Sure, I could cut that completely out and have a time or two in the past.
On a personal note, it was much easier to live on the cheap while in a relationship – I had a partner and companionship. I find that its much harder while single. Most people want to do stuff that cost even a little bit of money and cutting that out = cutting out friends. Who wants to spend time jammed up in my small apartment all the time? I know I don’t, and living super cheaply does mean spending a lot of time at home.
Just my take…
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And that’s a very fair take. I haven’t been single for many many years, but I can remember what it was like. So yes, easy for me to say now that the pressure is off.
At the same time, I wish I had places like MMM and GRS to visit back in those good old days. I think it would have led me to be more budget-minded … and maybe retired by now.
I’ll add that if you check out MMM a little further, you’ll see he offers all kinds of suggestions on free (or cheaper) ways to enjoy yourself, though, again, this is coming from a settled man. Nature, Settlers of Catan, things like that.
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Thanks, Clint! I will look into it a little more.
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I’ve never commented here before, but I knew I had to when I read this article. Love it!
I do the overtipping thing all the time (former waitress), and I used to carry the load for far too many “friends” who were really just freeloading (although I will still happily split bills or trade dinner dates with my true friends).
Still, my biggest “fear-based” money drain comes from not being comfortable negotiating. Overcoming this is definitely a work in progress, but here’s an example from just the other day that encouraged me to keep at it.
I have a ridiculous cable/internet bill because there’s essentially a monopoly where I live. Although there are a couple of companies that offer TV/internet here, only one really provides the internet speed that I need to allow me to work from home, and paying for the internet alone is almost as pricey as paying for the combo.
Last month, the company bumped my price per month to an outrageous $160+. This was an increase of over $30/month from the former bill, which was already gallingly high to me and which I knew I had to address. So I dithered for a bit, trying to psych myself up for a call I didn’t want to make, then I called the cable company to ask for a discount.
Long story short, it was the best twenty minutes I’ve spent in a good long while.
The extremely courteous and helpful woman I spoke to not only dropped my bill back down to a price comfortably below what I’d been paying last year, she also noticed that the company had been erroneously billing me for a service that they themselves had disconnected … almost THREE YEARS ago. [*Note, it was a line item on the bill that was comprehensible when she explained it to me, but which I never would have noticed otherwise, explaining why I'd never caught it before.]
The company normally doesn’t allow bills to be disputed more than 60 days after they’ve come due, but this was clearly their error and they were pretty ashamed. They credited me back ~$325 without any argument at all; my only task was to hang on the phone while they sorted it out.
And, to top it all off, the woman on the other line couldn’t have been friendlier or more apologetic. We had a lovely chat while they cleared up my account.
Had I been too “polite” (“afraid”) to call and negotiate with them, I would have cheated myself out of the hundreds I was already owed and the hundreds I’ll be saving going forward!
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Can I just say, Kristin, what a great post! I was sharing your emotions as I read it and it’s so honest too. I haven’t read the other comments but you are brave because I’m sure 30% of them at least are saying, you fool!
But in truth, I was just the same as you were once. I was easy meat really and sometimes vultures can smell meat from miles away. I had so many bad experiences I turned, and I mean really turned. After lending money for about the 100th time over my lifetime, and not getting it back, I suddenly felt a hurt that turned me into someone now that I would go as far as to call mean.
But the level you are talking is voluntarily being nice, and I did the same but it ended up on people using my good nature. After a friend whom I literally took in from the streets as they was kicked out (I know why now), I supported her, housed her, gave her rent-free space, which was meant to be for a few weeks, and ended up over a year and then told me if I can lend her $1000, she can get a place and starts a job the following week. Naturally, I was delighted lent the $1000, and I never saw her again after that. There was no job; there was no new place. She is doing the same somewhere else. Kind of changes you.
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I think inviting friends for drinks, or spending some small money on them should be normal in any good friendship. I fully understand you paying $10 for your friend for her having a rough time. Me and my friends do this all the time.
What makes a good friendship, however, is a give and take mentality. I love spending some drinks on my closest friends, because I know they will return the favor. I also used to know some people who would never pay back. I think that is the real pitfall to watch out for, and I stopped seeing them.
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I see the problem here, you have no idea what the definition of polite is.
You’re not being polite, in fact you’re being the exact opposite. It’s rude to offer to pay for lunch then complain about it later. You offered, either suck it up or don’t offer.
Being polite has nothing at all to do with money. Being polite is letting your friend know ahead of time that you’re going “Dutch Treat”. Being polite is showing kindness and manners when dealing with other people, not complaining about the money you’re spending on them when they more than likely had no idea that you weren’t prepared to spend it.
The issue here isn’t that you’re too polite. Far from it. You’re rude. Plain and simple.
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