With finances growing ever tighter for most families, we’re all looking for innovative ways to save cash and ensure we are getting the best deal for anything and everything we buy.  This is the reason cost comparison sites have enjoyed a huge growth in popularity over the past few years.

Everyone wants and needs to ensure that their financial resources are being stretched as far as they can for everyday essentials and household bills, leaving us more spare cash with which to enjoy the finer things in life.

Whilst sticking to a budget and negotiating for the best deals can seem like a challenge for anyone who has never had to do it before, with a few basic pointers you will soon find shopping around and saving money has never been more fun.  For example, when buying car insurance from captain Compare you can be confident you really are getting the best deal in the marketplace, as the clever technology behind the system compares prices across a range of insurers, in addition to highlighting the features and benefits of each product.


Negotiating and haggling can easily become a way of life, but is a skill that’s often overlooked because asking for a discount makes many people uncomfortable.  Try to remember that negotiating and haggling is not being ‘cheap’ or ‘tight’ but a way of making sure you really are getting the most from your hard earned cash for the benefit of your family.  As with most things, practice makes perfect and the embarrassment factor soon wears off after a couple of attempts to bag the best bargain.

The best news is that more people are doing it than you think. Did you know that ten years ago retailers sold 15%-20% of their merchandise at discounted prices. Today, this figure looks more like 40-45%. Retailers want your money and shoppers are currently in possession of the power.  So what are you waiting for?

Remember that Prices are Never Set in Stone

Don’t wait to be told there is a sale and then expect to find the exact thing you are looking for, as you’ll be too late.  Be bold and ask for discounts, promotions or special deals.  Use apps to find discount vouchers or deals and remind retail staff to apply them at the counter.

Open the Negotiation

Your opening lines set the tone for the rest of the negotiation process so be clear with your buying signals – state your intent to buy, but make it clear you will not be paying full price.  Some suggested opening lines include:

  • Can you work with me on the price?
  • I need you to come down on the price.
  • That price is not going to work for me.
  • You’re not quite in the ballpark.
  • I’d love to do business with you, BUT…

Once you have opened negotiations, make sure you have a clear budget in mind and don’t budge until the price comes down to at least this figure. Remember to never accept the first offer, and if the retailer isn’t prepared to budge then don’t be afraid to walk away, there will always be someone else who wants your business so make it your business to find them.