In these days of high prices we are looking for ways to save our money and make it go further. With sales off retailers may be ready to strike a deal with you in order to move their merchandise. You will be surprised at how many stores will lower their prices if you ask. You might feel uncomfortable asking the store to lower their price on an item that is in perfect condition, but don't be afraid to haggle. It comes down to one question: will you give me a lower price? The worst they can say is no.
Lower-Priced Clothes
It's a buyers market now in clothing. Winter sales were the worst in years. You can get a better bargain at single brand stores such as Gap by pointing out how long the item has been on the rack. Discount stores such as Kohl's and Target will respond if you let them know other discount stores have a lower price.
How to Prepare to Pay Less for Clothing
Weekdays and mornings are the best time to haggle. Make your offer 10 to15% lower than any price you have checked. Store personal are more likely to work with you if the store isn't full of customers. If a sales person says she can't help you, ask to speak to the manager.
What to Say
"I would like to have these shoes but I just saw them at Target for ten dollars less. I had rather finish my shopping here, would you match that price?
Appliances
Be friendly with the sales person. On big-ticket items she gets a commission no matter what you pay. Remind the sales person that she doesn't want you to walk away empty handed and have another sales person get the commission.
How to Prepare to Buy a Large Appliance
Price shop online using search engines like PriceGrabber and point out the lowest prices you found there from big name retailers. Call two local stores for their prices. Aim for 15 % less of the lowest price you find.
What to Say
I like this washer dryer combo but they cost more than I want to pay. Can you give me a better price? I found this set from your competitor for less. Can you match that price?Credit Card
It cost card issuers about $300.00 to obtain a new customer so they had rather keep you if possible. They had rather give you a lower interest rate than lose your business. So don't be afraid to ask. You may have to talk to a supervisor who can meet your terms.
How to Prepare
Collect two credit card offers that come in the mail. Use BankRate's Credit Card Rate Search tool to find the best rate for someone with your credit standing. Use the lowest rate you find (or lower) for your opening offer.
What to Say
My rate is too high. Can you lower it? I have been a credit card customer for 10 years and I would like to keep using it but I have a couple of better offers. Can you help me or may I talk to your supervisor?Cars
Automakers are working like crazy to make sales these days and dealers expect you to haggle. Only a few cars like the Toyota Prius and Honda Civic Hybrid go for the sticker price. You might get the best deal negotiating by e-mail. If you want to do it in person, here is the best way.
How to Prepare
Look for (manufacturer's suggested retail prices) at sites like Edmunds or Kelly Blue Book. Print what you have found and take it to the show room. Check dealerships' websites for their on-line price quote. Then start e-mail negotiations with an internet manager. When you talk face to face, take your research.
What to Say
Dealer: We are prepared to sell this car to you for $20,130.
You: Actually I was thinking along the lines of $18,000.
Dealer: I can't go that low. We pay the manufacture $19, 900. I can go a little lower though. I can do $19,800
You: I had two on-line offers, both for $18,500. I'd like to buy this car closer to home but I'll need you to meet their offer.
