3. Yes to cash, no to cards. Studies have actually found that people who pay with cash spend less than those who pay with cards. That’s because when you pay with the green paper, you can actually visualize the money that you’re losing, allowing for some subconscious regulation.
4. When making large purchases, wait until the end of the month. Salespeople have a job, and they need to meet their quotas by the end of the month. If they haven’t, chances are they’re going to try really hard to make their cut by giving you a cut in prices.