Finding yourself faced with a good deal and no money in your pockets may leave you looking at options such as a payday loan to get what it is that you want. A good deal is hard to pass up but if you cannot afford it, buying is not always the wisest decision. However, there are some alternative measures you can take to get the things you want at a price that you can afford. Many of us may find it uncomfortable to “haggle” with sales representatives on a given purchase price but it is one of the easiest ways save extra money on the things we buy and it helps us to avoid consumer credit debt. There are many ways to haggle a better price when negotiating with your retailer, therefore reducing your need for a payday loan. One of the ways I found most interesting from the article I read was leveraging savings with a product warranty. If requested by the customer, retailers will come down on the sticker price of an item if the customer chooses to purchase a product warranty. This is because retailers have weekly, monthly and quarterly sales goals to meet when it comes to things like warranties and service plans. Warranties also have a grace period that allows consumers to receive a full refund on their warranty within so many days after a purchase. Therefore, you can leverage a product warranty to get a better deal on your purchase price and then cancel the warranty to save additional extra cash. There is a lot more you can learn about haggling by reading the article called “Haggling Better Buys Next Payday | Money Saving Tips” on the payday loan.