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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.