All Hawaii State FCU branches will be closed on Monday, July 4, 2022 for Independence Day. View normal branch hours.

HAWAII STATE FCU’s NEW DIGITAL BANKING IS NOW LIVE! Learn more about our Digital Banking upgrade.

The Trials and Tribulations of “Splitting the Check”

The Trials And Tribulations Of “Splitting The Check”

The predicament-you’re dining out with friends and the bill arrives. Suddenly, silence descends on the table. The dreaded picking up the tab or splitting the check time has arrived. This scenario plays out millions of times every day. The longer you’ve been on the planet the easier this situation has gotten. That’s because people of a certain age often dine out with people they’ve known for years and over time have established a fair and equitable way to take care of the tab.

That being said, traditional etiquette says the person who provides the invitation pays the check. In the 21st century however, people eat out and socialize more often than previous generations and the initiator of the group outing isn’t expected to pick up the tab.

By far, the easiest way to avoid any drama would be to decide ahead of time how the check will be split. Will one person be picking up the entire tab or will each person get their own separate check, or should the bill be split evenly among all diners? Once this has been decided everyone can relax and order their meal and beverage accordingly. Life’s not always that easy and we are talking about money, which can be a very touchy subject!

It can be said that 18 to 24 year-olds are most likely to eat out and drink alcohol outside the home more often than any other age group. Coincidently, this is also the age where dining out can become a financial burden. The job market has been tough for recent graduates and those that do have a job are probably earning entry level wages. How the check is split among your buds can create some big issues.

Here are some ideas to consider the next time you’re dining out with friends:

Split the check evenly.
This works well for groups that share plates or go to a buffet. It’s easy to take the entire tab plus tip and divide it among the number of diners. Unfortunately, problems will arise when it’s assumed that everyone will happily just spilt the bill. Keeping relationships with friends are very important so it’s always a good idea to have that bill splitting conversation completed before the meal.

Ask the server for separate checks.
If your group isn’t too large, this can be the best way to keep everyone happy and it works well for those paying with cash as well as credit cards. Note that it may be more work for the server and may delay the checkout processing time.

Choose one person to pay the bill and reimburse them.
Assuming you know everyone in your party, another option would be to choose one person to pay the entire bill and that person will then collect from everyone else later. This keeps the paying process fast and simple. It sometimes can stretch a friendship though if people don’t pay up in a timely fashion. Sometimes those “gentle reminders” fall on deaf ears.

Take turns paying the check.
If you dine out frequently with friends that enjoy the same types of food or restaurants as you do then taking turns paying the check is a good option. It will make the dining experience a lot more comfortable to tell your friends that “it’s my turn to pick up the tab.” The next time someone else from the group will do the same. Choosing this option alleviates the drama when the bill comes. We’ve all seen the antics that can occur when a group of diners receive the bill. Everyone is jostling to see how much they owe, calculate their portion of the meal, drinks, dessert and tip and then pull out their wallets to get their cash or credit cards. This process can take more time than the actual meal!

Still overwhelmed by the thought of splitting your next dinner check? Good news! Technology is making it easier than ever to socialize with friends while avoiding the dreaded paying the bill drama. Here are two clever apps designed to help you and your friends in both calculating and paying your portion of the tab – Splitter and Billr.

Bon Appetite!

About HSFCU Marketing

Hawaii State FCU firmly believes that financial education empowers people to make smarter decisions throughout their lives, resulting in a better financial future. We do this by providing useful financial tools such as educational blogs, online courses and free webinars on a variety of topics including planning for retirement, debt management and buying a home. For more information on these and other resources, including free financial calculators and budget-friendly recipes, visit www.HawaiiStateFCU.com and click on “Financial Health.”

Related Posts

Third Party Site Disclaimer

We may provide links to external websites that refer to third party services and products available to Hawaii State FCU members, for enrollment in Hawaii State FCU financial education webinars, or other purposes. Please review the terms and conditions of use carefully. We do not make any express or implied representation or warranty to you concerning the quality, safety or suitability of external websites, or their services, products, or contents. External websites are not under our control and may have different security, privacy and other. Using the links may identify you as a Hawaii State FCU member to the external website operator.  Services and products from third parties are not obligations of, nor endorsed or guaranteed by, Hawaii State FCU nor the National Credit Union Share Insurance Fund.  Alternative services and products may be obtained from other providers of your choice.

Click “ACCEPT” to enter an external website. Click “Cancel” to return to HSFCU’s website.

Please remember to log off of Online Banking and Mobile Banking before going to any external website.

Cancel Accept