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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.