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Bargaining and discounts

Few people want to enjoy the benefit of that stems from haggling and rebates. Especially in the Arab countries bargaining is generally accepted habit while with us it is still something exotic, or even shameful. Yet even in Poland you can negotiate prices almost everywhere. And not just in the bazaar, but also in shops with food or clothing. It is always worth asking: "That if you reduce my price?".

When you buy two or three things a chance to reduce the price increases by 5%. For example, ask for a discount if you buy a one time clothing or shoes for yourself and your baby. When someone does you a repair and also reduces materials or furniture is several services at once and then you have a chance to negotiate a discount.

It is also worth to use papers discounts in places where, and so are making regular purchases. If someone offers you a card in a place like this - take it, do not wait. This saves 3-5% on purchases totaling up to 200 zł. And it's good.

Perhaps you have a permanent shoemaker, a barber or a beautician. Ask for a loyalty card, a savings of 5% at the expense of 100 zł. A woman being a regular customer manicurzystki suppose in such cases may rely on free treatment for ktoryms if, for example, every fifth.

worth in this way to negotiate. It is not shame in many countries, including the West, it is very often publicly recognized standard.

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Saving for transfers and withdrawals from an ATM

As it turns out you can save directly to everyone, even at the time of making the same payments. This time I will write a bit about saving the time of the transfers and cash withdrawals.

First of all we have to pay all bills via the Internet. At the post office or a branch of the bank pays from 2 to 4 zł commission and the Internet can be done either for free (if the payment will be made on account of the same bank) or cheaper (up to 1 zł). Here are some comparisons: a post office for eight transfers pay as much as 20 zł commissions, PKO BP and 32 zł. And doing the same thing on the Internet pay from 0 to 8 zł zł. In this case, via the Internet are saving an average of 32 zł. In addition, it saves time, because standing in line at the post office or bank window is something that probably none of us likes. In any event, in today's world zagonionym time saving money saved but it is certainly something very valuable and useful as well.

It is also known to use. direct debits. In this case, the issuer of the account draws down the amount of money deducted from your account and the same pays for the transfer.

If you pay a lot for internet, cable TV and telephone are all that you can merge one operator in the tender. Then you pay for a bank and even may happen that the internet will get for free and the cost of this service at all fall off. Savings on such an operation is about 30 zł.

Beware of ATMs are not your bank - they charge high commissions, from 2 to 10 zł (usually about 5 zł). Four such payments and is already disappearing from your pocket, from 8 to 40 zł.

only a few ways we have is more money in your pocket.

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How to save on your phone? Ah, those

It that the phone can also be a good eater of our money. Although I've been here I wrote about this a few more ways to save and this.

1) Check your operator promotions. If you frequently call on a select number of calls cheaper fare. You can do so even in relation to three numbers at once and thus save up to 25 zł per month.

2) If a little talk on a cell phone and you have a subscription (such as 50 zloty) to lower it or go to the tab. 50 zł card for it until three months and not talk only a month for a subscription to the same value. This gives you a saving of 100 zloty (zł instead of 150 for 3 months once you spend 50 zł).

3) Some people buy new cell right away just because the battery in the phone they had used. Meanwhile, instead of buying a whole new phone just replace the battery in about 1950 to 1970 zł. You can save on the few hundred dollars, depending on the class of the new phone, you can not buy just because you mentioned only the battery. This gives you savings of at least 200 gold.

3) recent years on the wave of emigration, many people emigrated from the Polish and for a long time has lost contact with their loved ones. Separation is a difficult thing and the phone is able to soften her bitterness. Only the connections with foreign countries are unfortunately very expensive. If you're in that situation, go to Skype. This is free. Conditions are not difficult to meet, just that your interlocutor is a computer, even a small class and you can talk. You can save this about 80 zł per month.

4) If in the long weekends or evenings talking to try to buy a package of free calls. Even if the package can be purchased TPSA 2,000 minutes for $ 109 zł and thereby save some 1940 to 1965 zł per month.

a few simple ways to have saved 470 zł. This is us in the pocket. Just think how much we need to work on the 470 zł or how much we argue about it with our boss and now somehow more lively in spirit. And certainly easier on the pocket.

It's as if they got an increase of about 400 zł. It would not be nice? It would be. Only that a raise does not have to much time arguing, and sometimes go and ask for it for months, often in vain, while here you can pamper yourself with a completely painless using just a little bit of ingenuity. And these are only some of the many ideas that can fall into moving only slightly in our gray cells.

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As we know children are a bottomless piggybank. Here are some simple but very practical advice on how not to waste money in this area. I do not have to do this looking like your baby is crying when you refuse him anything.

1) Come on shopping with your child / children! Easy, right? And how effective! Do you feel compelled to buy a lollipop, a candy bar or a toy. In this way not only save money but time and do it yourself much quicker shopping. Remember that if you go out shopping every day or even every two days to take your child involves the additional cost of a few gold. Monthly gives it up to a few hundred dollars extra unnecessary expenses. Just count, let's say you buy two gold bars at 2 for both children. It's still not enough, symbolically, because most children will not stop at candy bar (they can also choose to give them a Coke, biscuits, or a hamburger at McDonalds) but let's say that you spend daily 4 gold. Monthly giving is as much as 120 gold extra cost. Even if you do some shopping every other day and so it goes far: 60 gold extra cost. Someone might say, "What is 60 zlotys a month." Yes, but remember that these are not the only additional costs they incur in the scale of the other so it's a lot of expenditure.

2) If your child goes to school does not give him money for shopping in the school store or snack bar because there is usually expensive. It is better to buy such sweets in a supermarket, where they are much cheaper. You can buy immediately the whole package. If a child gets 5 zł per day for shopping in a school store for the month you spend on it as much as 100 zlotys.

3) Does your child learns a foreign language? For individual course of instruction will pay up to 30 per month. However, if you organize the study group you can spread those costs over several people. Besides learning a language can be successfully alone, research shows that it is best to know what you learn for yourself. Some have learned to themselves even more than one language (polyglots). Contrary to appearances, it is quite possible, there is even a lot of help for self-study. Anyway, both you and your child has already learned one language alone, his native language, so at least it shows that it is very possible. Besides motivating your child to learn self-evolve in the creativity and independence, which will surely be useful to him in later life when he enters his habit.

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our children on the Internet now

And again, it appears that the Internet can buy cheaper. Here is a comparison of prices for one and the same product.

classic brown loafers

Arkadia shopping center in Warsaw at the store cost 149 Spring zł while on the Internet at bucikowo.pl can buy them for only .... 59 zł. Almost 3 times cheaper!

elegant red bag made of leather with a decorative strap

the store Marks & Spencer in the Golden Terraces, Warsaw, you can buy it for $ 135 zł while the same bag is available for purchase for $ 105 plus shipping zł (ca. 10 zł) the www.intrigo.pl

Sunglasses type "fly", a large brown

In Cocomore in CH Redoubt in Warsaw cost 59 zł and allegro you can buy for 17.90 plus shipping.

bracelet watch with ornate, silver, metal casing

The Bijou Brigitte need to pay for it 149 zł while www.quelle.pl can now be bought for 62 zł

pendant necklace, ruby \u200b\u200bball (imitation) on chain

In Warsaw Arcadia store Agatha Paris You can already buy it for $ 112 zł www.modna.pl while longer for 39 zł plus shipping and handling.

And again confirmed an old truth: the Internet, however, the lowest price. Sometimes even by half. Search for the occasion.

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How to save on expedition of the child to school (2)

As promised, I do. Today I will write some more in the topic of saving for school gear. Below compare prices for purchases of the same products in three different places. It will tell us how this can save some money.

Here are some products: paints, school, markers, crayons, scissors, a block of technical drawing pad, 10 notebooks, pen, pencil.

Let's see how much are these tools at Tesco:

paint - 6 zł

pens - 19 zł

pencils - 4 zł

scissors - 3.90

technical block - 0,63 zł

pad - 3 zł

10 notebooks - 12 zł

pen - 8 zł

pencil case - 15 zł

All these purchases costing us 71.55 zł.

buy in Tesco, we manage to save money on promotion, entitled "Back to School." Prices are lower than in the local craft store. Crayons are cheaper by about 2 zł, a drawing pad about 1 zł, and books are already in general are for a song - only 1.70 zł per unit. Only downside is that the Tesco we find ourselves these occasions.

now see how much pay the same products at your local craft store.

paint - 19.50 zł

markers - 21.50 zł

pencils - 6 zł

scissors - 4,50 zł

technical block - 1,20 zł

pad - 4 zł

10 notebooks - 14 zł

pen - 9,50 zł

pencil case - 20 zł

overlooks us 91.20 zł. As you can see the same thing we paid a little over 20 pounds more. How to save for your child to school expedition

paid an average two more gold for each product. But we are also certain advantages. For example, when buying a set of notebooks (10 pieces) is obtained for each of them a discount on art 4 zł. We can also consult the service on the cheaper product and thus save time (was not in Tesco). In addition, we can also test their products (also was not in Tesco).

Let's now shopping for the same housing estate bazarku:

paint - 7.50 zł

pens - 18 zł

pencils - 5 zł

scissors - 3 zł

technical block - 1 zł

pad - 3 , 50 zł

10 notebooks - 18 zł

Pen - 8.50 zł

pencil case - 17.80 zł

zapłacilibyśmy for these purchases total 82.30 zł. This is less than your local craft store but more than in Tesco. So on average. When shopping there are no crowds, such as Tesco and can be no bargain. The disadvantage, however, is that the heat, sun or moisture can adversely affect this kind of range, which is not as well kept as it is in the shop. Well, but everyone chooses what he wants in this case, sacrificing a bit of quality for better prices or vice versa.

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How to save on your child to school expedition

During the summer I left so I hope that the lower activity on the blog I will be forgiven. Now we return to the former increased activity.

school year is coming and the holidays come to an end quick steps so you might want to give some preliminary indications as to the attempts to save the expedition of the child to school.

As you know school supplies cost a fortune today. Here's how to buy them so cheaply:

Wholesale - lot of people have children and so they have to buy the same thing at the same time. Use it. After all, you can arrange with the parents of your child's class, or even the parents of other children the same age (then you will grow even more) that we all do shopping at the warehouse. With more purchases in the wholesale of course, gets a discount and is cheaper. Crayons, blocks, books and other accessories, it all can be purchased in larger quantities at wholesale prices so cheap, even for a whole year.

Used books - coming reform of education and textbooks from previous years may no longer be as useful, but certainly something from previous years useful. You can redeem something at a lower price than older colleagues and brothers, and sometimes even get for free. Textbooks are the most expensive thing in the whole expedition, can cost up to 170-200 zł.

Clothing - your child will also need clothes and shoes to school, even for physical education classes. Sneakers, white shirts and even socks, for example, can be cheaper to buy a special discounted clothing (such as Pepco).

In the next post much more detailed advice as to how to save on accessories for school children.

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Saving for refurbishment, part 2

As promised in the last post today, I give some more details relating to the renovations, which probably now in the holiday season is the participation of many homes.

Professing the principle that you can always buy the same thing here now make a comparison of the prices of those same articles at various shops. We can choose an ordinary chemical store, OBI and the Internet. Let's see where is the cheapest on the example of typical accessories needed for repair:

- Brush large

- a small brush,

- masking films,

- roller

- cuvette painting,

- matt white paint to the walls and ceilings,

- color emulsion for kitchen and bathroom

- strip paint

compare prices now ranging from simple chemical store (I've included all prices in U.S. dollars):

- a large brush - 24.50.

- Brush small - 7.20.

- foil paint - 5.80.

- roller - 12

- cuvette painting - 5.00.

- matt white paint for walls and ceilings - 66.40.

- color emulsion for the kitchen and bathroom - 71.90.

- Masking Tape - 3.40.

total purchases come to us for 196.20 zł. The store is a large selection but the prices are on average 2 zł more expensive than in the OBI and the Internet. Is not closed, however, to such stores because you occasionally get a real bargain, such as acrylic paint Cieszynka for walls and ceilings only costs 28.50 for 10 liters. Let

Now the same shop in OBI:

- a large brush - 22.50.

- brush small - 6.60.

- foil paint - 3.40.

- roller - 10.80.

- cuvette painting - 3.55.

- matt white paint for walls and ceilings - 38.99.

- color emulsion for the kitchen and bathroom - 67.00.

- Masking Tape - 1.90.

total purchases amounted to 154.74 zł us, that we in the pocket is more than 40 zł. At the expense of 200 zł a big saving. In the OBI can find a lot of promotion items, such as white emulsion paint for walls and Single ceilings, which costs 38.99 zł per 12 liters. But even normal paint for walls and ceilings White Max, costing 61 zł (ie up to 23 zł more expensive than one), is cheaper than other stores. The OBI can also use paint samples from the mixer for free or get free brochures with tips on renovation.

Let's now once again the same shopping on the Internet.

- a large brush - 19.80.

- brush small - 6.80.

- foil paint - 3.20.

- shaft - 9.00.

- cuvette painting - 3.00.

- matt, white paint for walls and ceilings - 78.00.

- color emulsion for the kitchen and bathroom - 69.75.

- Masking Tape - 1.94.

This time, these purchases totaled more expensive than us, OBI, but still cheaper than in shops. Proponents of the idea that the internet is cheaper, can be a bit surprised. For example, Max White paint on the net cost as much as 78 zł, while even in the OBI can be bought cheaper by 17 zł. The rest of the material is cheaper on average from 1 to 3 zł. But the Internet has the advantage that we can always find something cheaper price comparison engines using (On page poile.pl can find a list of all the price comparison engines.)

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Saving for repairs

Holidays are the time of repair and so I will write some tips about how you can save some money on this.

First of all we surf the Internet to make purchases for renovation. Various things such as buying into the bathroom, you can save up to 400 zł for one component. My friend spared as much as 800 zł the door into the shower and did so in a way that has compared the price of one and the same object in more than a dozen vendors. And I did not buy fakes. Bathroom and saved on battery in the same way another 100 zł. I do not think there was a discovery, but it's the most reliable and known methods are nevertheless effective.

also draws attention to the tip of the series. In this way, for example, you can buy very cheap nice glaze to 30% less.

Do not dispose of or things that have been restored. Be useful the next time and thus spend less at the beginning.

The next entry I will give specifics as to what and how much cost saving during the renovation period.

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Some interesting ideas on how to use cosmetics ending

With ingenuity, you can also save a few cents on cosmetics. This entry is for women.

This time, sell some patents for a more efficient use of cosmetics is ending.

Say you have a background that you just end. The tube was not much but you can still use it. So what do we do? We can cut the tube and the background to add some cream that you use every day. Then stir. In this way we get Tinted, which acts as a primer and aligns color of skin.

Lipstick, ends Those with lipstick, but I was still a little stick? You can select it with a stick with cotton wool and successfully used yet.

Mascara - The last pieces of dry product. However, it can odsuszyć putting for some time curled into a glass container with hot water. You

zgęstniałego remnant of nail polish? You can dilute it a special thinners. But beware, do not use the remover, because then you lose the color of paint.

Simple ways, but it can show the way for further ideas on this issue. There are no boundaries. I still

back to ways of saving some money on cosmetics.

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Interesting spreadsheets to help plan the budget

recently on the Internet there have been some imaginative programs that allow you to reasonably manage their personal finances and plan for the family budget. You can even find them on these pages:

www.budzet-domowy.pl

www.mefi.pl

programs are free. Arranged

are on a spreadsheet. After entering the fixed expenses (such as rent, utility payments, installment premiums), adding more or less fixed expenses for food, clothing, cosmetics, gasoline, newspapers, books and special account expenditure (associated with anniversaries, holidays, car repairs) and then after entering the program of this type of income will tell us how we can effectively control our finances. Moreover, this type of program will not only help us in this matter but I will tell you where we can even look for savings and how much time we need to raise money for a bigger purchase or expense.

recommend this type of spreadsheets as a unique on-line help for anyone who wants to plan your budget wisely.

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Co. travel, as cheapening

The break-write today to what most travel in the near future a crisis. Because, unfortunately, the crisis itself will not make that everything will be cheaper. But also some things stanieją (numbers I give for the "Olivia", March 2009, my commentaries).

Food:

Sugar - 15-20% more expensive.

Rice - 10% more expensive.

Tea - 10-15% more expensive.

Beef - 10% more expensive.

Poultry - state.

Pork - state.

Milk - state by 10%.

Bread - not zdrożeje.

fixed fees:

Current - zdrożeje by 4-5%.

Refuse Collection - 15-40% expensive.

Mobile / talking on the cell (stanieją).

Internet - not zdrożeje.

Fuel - the price should be more or less stable.

luxuries

Stanieją apartment. Real estate market in Poland has been undergoing a grave crisis and Bess. This is a very liquid market, so prices will not decline as rapidly as for example in the stock market, but will, as grown to absurd proportions (apartments are more expensive in Poland than in Germany or even in the U.S., where people earn much more). Lending is frozen, and this means that in the country where there is generally no more money as you do not take credit purchases on this market will become. Added to this is increasing unemployment, the more so fewer people can afford their own apartment. This is an opportunity for those who have their own money or the bank will provide them with credit, because property prices will fall.

Cars

They also shortly, but note: a 5% increase excise tax on cars with a capacity greater than 2 liters.

Wykorzystujmy reaching reductions as well as the careful and extensive increases.

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cooker

One of the best inventions allow a pressure cooker to save money.

cooker is a bit unusual casserole. Its operation is based primarily on the pressure. With the pressure it can even increase the temperature over 100 degrees Celsius and that means that using the same energy you can cook something in half the time. Imaginative? Very.

also save energy, because when cooking in a pressure cooker use up only 40% of what you would have used if you cook as normal.

counted as a family of four uses a month gas worth about 25 gold. Thanks szybkowarowi However, you can pay as much as 15 per month less. Another way to stop the little money we face.

In a pressure cooker can not only cook but also thaw food. Food of every kind, from vegetables to meat, which retain their nutritional value.

On what kind of kitchen can be used in the pressure cooker? In fact, on each, from gas to electricity.

Each cooker has a pressure control which allows you to adjust the pace of cooking. As we know vegetables are prepared in such a case, less pressure, and the meat into more. Pressure regulation allows for additional savings.

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How to buy cheaper clothes (2) Cheaper alternatives

The entry of 24 February I promised to write more about saving when shopping for clothes. I do hereby fulfill this promise.

Let's see where we can now buy clothing on the basis of a comparison of prices. First of all try to do the kind of normal clothing purchases in the ordinary shop where you specifically did not save. Let it be, for example, Arkadia Mall. Here's what we come here is the price for such a sample set of garments:

T-shirt - 29.80 zł.

Jeans - 90 zł.

Shirt - 79 zł.

Cardigan - 59,90 zł.

Navy - 119 zł.

Shoes - 130 zł.

Together this gives us all the way 516.80 zł.

It's quite a lot of money that we spend.

Now Let 's get the same thing in Tesco:

T-shirt - 12 zł.

Jeans - 37 zł.

Shirt - 45 zł.

Cardigan - 59,90 zł.

Navy - 69.90 zł.

Shoes - 59 zł.

makes the total 281.90 zł.

bought the same thing at the same quality (not Tesco's clothing offering lower quality than the CH Arkadia) and 234.90 zł saved up! It's almost half. 234.90 zł stays in your pocket - not bad sum of money. You can already do this quite a shopping or to spend on something else, as needed. Not bad.

But it's not the end of surprises. It turns out that we can save even more than we could save money in Tesco. Impossible? Well, let's see:

T-shirt - 15 zł.

Jeans - 39 zł.

Shirt - 45 zł.

Cardigan - 29.99 zł.

Navy - 39.00 zł.

Shoes - 49.90 zł. Total giving

This is only 218.89 zł!

So at this point has already saved up to 297.91! Almost 300 gold we have been in my pocket, which is up more than half. Now I can spend it on something equally appropriate and we do not violate our nadwyrężonego again by the current crisis in the budget for this purpose.

But what you can do so cheap shopping? On the sell-off sell-off in Outlet Fashion House Piaseczno. Where they sold at factory prices end collection of designer clothes. As you can see, you can have the designer clothes at very cheap prices, even cheaper than the supermarket. You do not need to spend a fortune to have such clothes, as it is generally thinks. Someone can certainly say that in order to go to Piaseczno you lose a little time and money to get there. However, it certainly is not the only place with such a sell-off. There are a lot more, you only have your eyes wide open and certainly will be more such outlets. For wanting nothing difficult.

And so we made a comparison on the example of genuine offers and it appears that we have the same thing for over half of this sum we have delivered normally. Ba, clothes can even be branded, if you have for someone is This is important, it does not have to be some duds. You do not have to be "rich" to be branded clothes. Impossible? But true. For those who want something, anything is possible.

And as for shopping in Tesco, that some may be mixed and tell you that ashamed to have clothes from the network. But do dress up so that others envy us with just the clothes or other chain stores? If it is for someone important, and buys something for others to show and not really for myself (there are some people who live above all its image in the eyes of others), it may not buy in Tesco. Maybe Yet to buy designer clothes on sale at what I said, even cheaper than in Tesco. For wanting nothing difficult. I do not bother there just to buy clothes at Tesco. It is not written for them big (or small) letters that I bought them just there. If someone is not a problem, let them buy their clothes where they want, long as they are nice and not branded. Buying branded goods, moreover, we must pay more for the brand, which does not really wear on you in a physical sense (despite sometimes impressive and sometimes invisible-the evidence).

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It turns out that the products we encounter in traditional law are sometimes expensive and can be replaced by cheaper. Here are some helpful examples:

ricotta cheese substitute cottage cheese. Ricotta cheese is Italian for cakes and costs about 6 zł per 250 grams. Homogenized cream cheese until it is 3 times cheaper. As a substitute you can use here successfully cream cream. Parma ham

ogonówką replace. Genuine Parma ham costs up to 100 zł per kilogram. Can successfully replace it ogonówkę, which only costs 29 zł or Krotoszyńska smoked meat, which costs 32 zł per kilogram.

Lettuce salad buttery strzępiastą replace. Lettuce strzępiasta costs about 6 zł and successfully it can be replaced with a simple salad buttery, which costs some 2-3 zł.

These are just a few examples from the bank as an incentive to search for cheaper substitutes. As you can see this is possible and even easy to do. So you can easily find another such ways, it all depends here only on our creativity and ingenuity. The bigger they are, the less will be impossible for us, and limitations.

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As cheaper to buy clothes?

It turns out that there are many interesting ways to buy cheaper clothes, here are a few of them. Many

passable way can be found on Internet auctions. Some of them you may come across a real bargain. For example, a jacket in a shop worth almost 300 gold you can buy for just 45 pounds on internet auction.

Another interesting way is to order clothes from the tailor. Contrary to the old stereotypes with a tailor sewing is already so expensive. You can, for example him to sew a dress for about 30 gold. It's cheaper than in many shops.

Yet another way This visit bazarków. Ladies there is a lot cheaper than in stores. For example, more or less the same quality shoes in the store 100 worth of gold can be purchased now at bazarku for about half that price. However be careful, because cheap shoes at fairs can be poor quality. However, this does not mean that you have here is only trash.

Next time I'll describe the next few ways to buy cheap clothing.

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Something interesting about frozen vegetables

In total, I discovered an interesting thing lately - frozen vegetables. Previously, it did not pay attention. But is this related to some interesting things, especially for those who want to save a few pennies. First of all, their advantage is price. The same frozen vegetables you can buy up to $ 5 cheaper than normal vegetables. For example, the green beans at the market costs 14 zlotys per kilogram, while a pound of the same frozen beans you can buy for less than $ 5. Secondly - Frozen vegetables are available throughout the year, while the vegetables, "normal" can only be purchased in the spring or summer. And thirdly - rozprawmy with a classical myth that frozen foods are inferior to conventional products. However, this is not true. Freezing is the best way of preserving vegetables. And canned vegetables do not lose their flavor. As it crashed? I checked it visually. Well, I like beans so much that I was not able to wait until the summer. I bought the frozen beans. It turned out that it tastes good to me even more than usual.

thus benefit from this process, through which we can have vegetables all year round and yet at the same time save a few gold.