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Save money by negotiating

Elton Chong Avatar
banned2y, 2m agoPosted 2 years, 2 months ago
I just spent twenty or so minutes on the phone and managed to negotiate £15 quid off a couple of insurances.

I recently negotiated with virgin so, all together over £20 in savings.

Don't scoff at the amount, thats still a phone bill for some people so worth doing.

Iv also recently paid of my overdraft of almost 2 grand, so thats another £25 quid better off.

£45 quid a month in my pocket for very little work.

Lets share some money saving tips
Elton Chong Avatar
banned2y, 2m agoPosted 2 years, 2 months ago
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(1)
5 Likes
What an excellent, informative thread. How does it feel to be the first person to discover haggling?

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#1
I always do that , even down to buying things in shops . As they say it doesn't hurt to ask and threaten to take your custom elsewhere . Doesnt always work but very often it does and you can certainly save a few quid here and there which mounts up .
#2
I negotiate on sky, phone contracts etc but I have never tried in a shop, too embarrassed, but then I can't think of the last time I went in a shop to buy anything worth haggling for
5 Likes #3
What an excellent, informative thread. How does it feel to be the first person to discover haggling?
banned 2 Likes #4
GoatzRus
What an excellent, informative thread. How does it feel to be the first person to discover haggling?

I wouldn't say I'm the first.
#5
I never renew insurances, car breakdown etc without using a comparison website first. Then I phone up the company I'm with and quote the better deals. They always match them. Have saved hundreds of pounds over the years and kept with same companies. Also it's worth looking at energy comparison sites. We've just done this and saved £520 pa and got an £80 love to shop voucher.
banned#6
13norfolk
I never renew insurances, car breakdown etc without using a comparison website first. Then I phone up the company I'm with and quote the better deals. They always match them. Have saved hundreds of pounds over the years and kept with same companies. Also it's worth looking at energy comparison sites. We've just done this and saved £520 pa and got an £80 love to shop voucher.

I never mess with energy switches, too many horror stories.
banned#7
Elton Chong
13norfolk
I never renew insurances, car breakdown etc without using a comparison website first. Then I phone up the company I'm with and quote the better deals. They always match them. Have saved hundreds of pounds over the years and kept with same companies. Also it's worth looking at energy comparison sites. We've just done this and saved £520 pa and got an £80 love to shop voucher.

I never mess with energy switches, too many horror stories.

As long as you don't owe them when you switch it's all good. Just do your own calculations too. Switch via topcashback too.
#8
Was the overdraft fee-free OP?
banned 1 Like #9
Transformers
Was the overdraft fee-free OP?

It was an agreed overdraft but it was costing me around £25 a month in debit interest.

Had it kicking around since my student days and just never bothered to pay it off.
1 Like #10
Elton Chong
Transformers
Was the overdraft fee-free OP?

It was an agreed overdraft but it was costing me around £25 a month in debit interest.

Had it kicking around since my student days and just never bothered to pay it off.
Okay. Thanks for actually answering one of my questions for once EC. ;)
#11
Im thinking of switching energy suppliers after 4 years, from eon to first utility. The only company that seems to offer a saving of £75 in the next year. Paying monthly direct debit saves a little too
3 Likes #12
If you do not ask you do not get so I always ask for discount.

I recently had to use a Barrister (vulture) and negotiated his hourly rate down from £350 to £300 per hour and also insisted instead of him coming to see me which would have incurred travelling charges I go to his chambers in London.

I always negotiate with estate agents when selling or renting houses to get them to reduce their fees and also try and agree a further reduced fee if a quick sale/ rental happens.

Always ask for further discount or some freebies when purchasing high value electrical goods.

Negotiate with tradesmen when employing them.

Moan like hell at my bank manager about the rip off fees charged on my business account so now I have not paid any for the last 5 years when they were up to £20 per month.

Buying things in bulk such as half a pig is also a good way of saving as pound for pound it is cheaper and also you can ask for the odd bits which you have paid for to be minced so they are free.

Using local green grocers has also worked for me as I agree to go once a week and spend a set amount of money in return for a small discount.

Cash is still king and people will normally knock a bit off when you pull out some real money. I do not sanction tax evasion but have little guilt after the way our MPs have been caught with their snouts in the trough.

My motto is a fair days pay for a fairs day work and my money is better in my pocket than somebody elses.

As above if you do not ask you do not get and the worse they can say is no.
banned 1 Like #13
recently negotiated for a patio wash from an absurd £200 to £70.

sharks man.
#14
Most businesses like ours no doubt build a bargaining margin into the price, that way if the customer tries it on we don't loose out. If they bite first time you have a bonus, lol.
#15
When I used to buy electrical goods in store, I would fine the best deal. Then send the wife to buy, she always got a discount or some freebie :D
banned 1 Like #16
airfix
Most businesses like ours no doubt build a bargaining margin into the price, that way if the customer tries it on we don't loose out. If they bite first time you have a bonus, lol.

Cheap meat you mean?
#17
Elton Chong
airfix
Most businesses like ours no doubt build a bargaining margin into the price, that way if the customer tries it on we don't loose out. If they bite first time you have a bonus, lol.

Cheap meat you mean?

No, that's not our business, that's my in-laws.

I'll put you in touch if you want some decent home reared produce.(_;) , better than the stuff your used to.
banned 2 Likes #18
airfix
Elton Chong
airfix
Most businesses like ours no doubt build a bargaining margin into the price, that way if the customer tries it on we don't loose out. If they bite first time you have a bonus, lol.

Cheap meat you mean?

No, that's not our business, that's my in-laws.

I'll put you in touch if you want some decent home reared produce.(_;) , better than the stuff your used to.

I wouldn't touch anything reared by your family.

I like decent meat
#19
Elton Chong
airfix
Elton Chong
airfix
Most businesses like ours no doubt build a bargaining margin into the price, that way if the customer tries it on we don't loose out. If they bite first time you have a bonus, lol.

Cheap meat you mean?

No, that's not our business, that's my in-laws.

I'll put you in touch if you want some decent home reared produce.(_;) , better than the stuff your used to.

I wouldn't touch anything reared by your family.

I like decent meat

You like meat from animals which have suffered, here endeth the first lesson.
banned 1 Like #20
airfix
Elton Chong
airfix
Elton Chong
airfix
Most businesses like ours no doubt build a bargaining margin into the price, that way if the customer tries it on we don't loose out. If they bite first time you have a bonus, lol.

Cheap meat you mean?

No, that's not our business, that's my in-laws.

I'll put you in touch if you want some decent home reared produce.(_;) , better than the stuff your used to.

I wouldn't touch anything reared by your family.

I like decent meat

You like meat from animals which have suffered, here endeth the first lesson.

We have dealt with that nonsense.

We are talking about the quality of the meat here and your stuff is low grade. There is a market for that so fair play, just not for me thank you very much
#21
Elton Chong
airfix
Elton Chong
airfix
Elton Chong
airfix
Most businesses like ours no doubt build a bargaining margin into the price, that way if the customer tries it on we don't loose out. If they bite first time you have a bonus, lol.

Cheap meat you mean?

No, that's not our business, that's my in-laws.

I'll put you in touch if you want some decent home reared produce.(_;) , better than the stuff your used to.

I wouldn't touch anything reared by your family.

I like decent meat

You like meat from animals which have suffered, here endeth the first lesson.

We have dealt with that nonsense.

We are talking about the quality of the meat here and your stuff is low grade. There is a market for that so fair play, just not for me thank you very much

You are brainwashed to think your meat is best, we know ours is best, you keep buying the crap from backstreet butchers.
banned 1 Like #22
airfix
Elton Chong
airfix
Elton Chong
airfix
Elton Chong
airfix
Most businesses like ours no doubt build a bargaining margin into the price, that way if the customer tries it on we don't loose out. If they bite first time you have a bonus, lol.

Cheap meat you mean?

No, that's not our business, that's my in-laws.

I'll put you in touch if you want some decent home reared produce.(_;) , better than the stuff your used to.

I wouldn't touch anything reared by your family.

I like decent meat

You like meat from animals which have suffered, here endeth the first lesson.

We have dealt with that nonsense.

We are talking about the quality of the meat here and your stuff is low grade. There is a market for that so fair play, just not for me thank you very much

You are brainwashed to think your meat is best, we know ours is best, you keep buying the crap from backstreet butchers.

You know nothing airfix but I know a lot ;)
#23
Elton Chong
airfix
Elton Chong
airfix
Elton Chong
airfix
Elton Chong
airfix
Most businesses like ours no doubt build a bargaining margin into the price, that way if the customer tries it on we don't loose out. If they bite first time you have a bonus, lol.

Cheap meat you mean?

No, that's not our business, that's my in-laws.

I'll put you in touch if you want some decent home reared produce.(_;) , better than the stuff your used to.

I wouldn't touch anything reared by your family.

I like decent meat

You like meat from animals which have suffered, here endeth the first lesson.

We have dealt with that nonsense.

We are talking about the quality of the meat here and your stuff is low grade. There is a market for that so fair play, just not for me thank you very much

You are brainwashed to think your meat is best, we know ours is best, you keep buying the crap from backstreet butchers.

You know nothing airfix but I know a lot ;)

I know more than you about correct farming of animals, all you see is a label saying halal and you jump up and down like an excited child. :p

Very shallow view of an industry.
1 Like #24
Elton Chong
Transformers
Was the overdraft fee-free OP?

It was an agreed overdraft but it was costing me around £25 a month in debit interest.

Had it kicking around since my student days and just never bothered to pay it off.

I have just noticed this but why on earth did you have an overdraft from 20 years ago when you quite happily walk around with a wad full of notes in your back pocket?

Rule 1 is pay off any debts before saving money, my parents taught me this when I was a kid. :)
#25
airfix
Elton Chong
Transformers
Was the overdraft fee-free OP?


It was an agreed overdraft but it was costing me around £25 a month in debit interest.

Had it kicking around since my student days and just never bothered to pay it off.


I have just noticed this but why on earth did you have an overdraft from 20 years ago when you quite happily walk around with a wad full of notes in your back pocket?

Rule 1 is pay off any debts before saving money, my parents taught me this when I was a kid. :)

stop picking apart his little fantasy tales!
banned 1 Like #26
brilly
airfix
Elton Chong
Transformers
Was the overdraft fee-free OP?

It was an agreed overdraft but it was costing me around £25 a month in debit interest.

Had it kicking around since my student days and just never bothered to pay it off.

I have just noticed this but why on earth did you have an overdraft from 20 years ago when you quite happily walk around with a wad full of notes in your back pocket?

Rule 1 is pay off any debts before saving money, my parents taught me this when I was a kid. :)
stop picking apart his little fantasy tales!

Sigh, yes its everyone's fantasy to have an overdraft isn't it.
#27
Elton Chong
brilly
airfix
Elton Chong
Transformers
Was the overdraft fee-free OP?


It was an agreed overdraft but it was costing me around £25 a month in debit interest.

Had it kicking around since my student days and just never bothered to pay it off.


I have just noticed this but why on earth did you have an overdraft from 20 years ago when you quite happily walk around with a wad full of notes in your back pocket?

Rule 1 is pay off any debts before saving money, my parents taught me this when I was a kid. :)

stop picking apart his little fantasy tales!


Sigh, yes its everyone's fantasy to have an overdraft isn't it.

not mine but you are a special case
banned 1 Like #28
brilly
Elton Chong
brilly
airfix
Elton Chong
Transformers
Was the overdraft fee-free OP?

It was an agreed overdraft but it was costing me around £25 a month in debit interest.

Had it kicking around since my student days and just never bothered to pay it off.

I have just noticed this but why on earth did you have an overdraft from 20 years ago when you quite happily walk around with a wad full of notes in your back pocket?

Rule 1 is pay off any debts before saving money, my parents taught me this when I was a kid. :)
stop picking apart his little fantasy tales!

Sigh, yes its everyone's fantasy to have an overdraft isn't it.
not mine but you are a special case

You need to move on Brilly.
#29
Elton Chong
brilly
Elton Chong
brilly
airfix
Elton Chong
Transformers
Was the overdraft fee-free OP?


It was an agreed overdraft but it was costing me around £25 a month in debit interest.

Had it kicking around since my student days and just never bothered to pay it off.


I have just noticed this but why on earth did you have an overdraft from 20 years ago when you quite happily walk around with a wad full of notes in your back pocket?

Rule 1 is pay off any debts before saving money, my parents taught me this when I was a kid. :)

stop picking apart his little fantasy tales!


Sigh, yes its everyone's fantasy to have an overdraft isn't it.

not mine but you are a special case


You need to move on Brilly.

you need to try the real world
banned 2 Likes #30
brilly
Elton Chong
brilly
Elton Chong
brilly
airfix
Elton Chong
Transformers
Was the overdraft fee-free OP?

It was an agreed overdraft but it was costing me around £25 a month in debit interest.

Had it kicking around since my student days and just never bothered to pay it off.

I have just noticed this but why on earth did you have an overdraft from 20 years ago when you quite happily walk around with a wad full of notes in your back pocket?

Rule 1 is pay off any debts before saving money, my parents taught me this when I was a kid. :)
stop picking apart his little fantasy tales!

Sigh, yes its everyone's fantasy to have an overdraft isn't it.
not mine but you are a special case

You need to move on Brilly.
you need to try the real world

Yes Brilly, yawn
#31
Elton Chong
brilly
Elton Chong
brilly
Elton Chong
brilly
airfix
Elton Chong
Transformers
Was the overdraft fee-free OP?


It was an agreed overdraft but it was costing me around £25 a month in debit interest.

Had it kicking around since my student days and just never bothered to pay it off.


I have just noticed this but why on earth did you have an overdraft from 20 years ago when you quite happily walk around with a wad full of notes in your back pocket?

Rule 1 is pay off any debts before saving money, my parents taught me this when I was a kid. :)

stop picking apart his little fantasy tales!


Sigh, yes its everyone's fantasy to have an overdraft isn't it.

not mine but you are a special case


You need to move on Brilly.

you need to try the real world


Yes Brilly, yawn

feeling sleepy? vivid dreams
banned 2 Likes #32
brilly
Elton Chong
brilly
Elton Chong
brilly
Elton Chong
brilly
airfix
Elton Chong
Transformers
Was the overdraft fee-free OP?

It was an agreed overdraft but it was costing me around £25 a month in debit interest.

Had it kicking around since my student days and just never bothered to pay it off.

I have just noticed this but why on earth did you have an overdraft from 20 years ago when you quite happily walk around with a wad full of notes in your back pocket?

Rule 1 is pay off any debts before saving money, my parents taught me this when I was a kid. :)
stop picking apart his little fantasy tales!

Sigh, yes its everyone's fantasy to have an overdraft isn't it.
not mine but you are a special case

You need to move on Brilly.
you need to try the real world

Yes Brilly, yawn
feeling sleepy? vivid dreams

Yes Brilly.
#33
ewwaxo
recently negotiated for a patio wash from an absurd £200 to £70.

sharks man.

Which was and still is available for £59 online . ;)












Only kidding, I have no idea what kind of patio wash you purchased, me personally I prefer a bath which is not very expensive at all.
1 Like #34
Elton Chong
brilly
Elton Chong
brilly
airfix
Elton Chong
Transformers
Was the overdraft fee-free OP?

It was an agreed overdraft but it was costing me around £25 a month in debit interest.

Had it kicking around since my student days and just never bothered to pay it off.

I have just noticed this but why on earth did you have an overdraft from 20 years ago when you quite happily walk around with a wad full of notes in your back pocket?

Rule 1 is pay off any debts before saving money, my parents taught me this when I was a kid. :)
stop picking apart his little fantasy tales!

Sigh, yes its everyone's fantasy to have an overdraft isn't it.
not mine but you are a special case

You need to move on Brilly.

Amen brother.
3 Likes #35
RatedRPornstar
Elton Chong
brilly
Elton Chong
brilly
airfix
Elton Chong
Transformers
Was the overdraft fee-free OP?


It was an agreed overdraft but it was costing me around £25 a month in debit interest.

Had it kicking around since my student days and just never bothered to pay it off.


I have just noticed this but why on earth did you have an overdraft from 20 years ago when you quite happily walk around with a wad full of notes in your back pocket?

Rule 1 is pay off any debts before saving money, my parents taught me this when I was a kid. :)

stop picking apart his little fantasy tales!


Sigh, yes its everyone's fantasy to have an overdraft isn't it.

not mine but you are a special case


You need to move on Brilly.


Amen brother.

" *composes pm* PLZ HELP ME PLZ PLZ BRILLY IS BEING MEAN!!!!1 "

"AWWW DONT WORRY HERE I COME - LETS LICK EACH OTHER ..ERM LIKE"

Edited By: brilly on Jul 05, 2014 20:24
2 Likes #36
Brilly, calm down son. There are no PM's or anything like that, seek medical help. Haggle if you can.

Edited By: RatedRPornstar on Jul 05, 2014 20:30
#37
RatedRPornstar
Brilly, calm down son. There are no PM's or anything like that, seek medical help. Haggle if you can.

i am calm dont worry about me, save it for the more fragile people closer to home
2 Likes #38
brilly
RatedRPornstar
Brilly, calm down son. There are no PM's or anything like that, seek medical help. Haggle if you can.
i am calm dont worry about me, save it for the more fragile people closer to home

I do worry about you fella, you haven't been yourself recently. Why don't you go for some retail therapy, that might sort out the ol' head.

Make sure to negotiate on any deals now.
#39
RatedRPornstar
brilly
RatedRPornstar
Brilly, calm down son. There are no PM's or anything like that, seek medical help. Haggle if you can.

i am calm dont worry about me, save it for the more fragile people closer to home


I do worry about you fella, you haven't been yourself recently. Why don't you go for some retail therapy, that might sort out the ol' head.

Make sure to negotiate on any deals now.

you should both be more worried about negotiating reality than deals
#40
brilly
RatedRPornstar
brilly
RatedRPornstar
Brilly, calm down son. There are no PM's or anything like that, seek medical help. Haggle if you can.
i am calm dont worry about me, save it for the more fragile people closer to home

I do worry about you fella, you haven't been yourself recently. Why don't you go for some retail therapy, that might sort out the ol' head.

Make sure to negotiate on any deals now.
you should both be more worried about negotiating reality than deals

I am happy with myself and others, you're post at #35 suggests otherwise.

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