Say no to the Extended Warranty. You just end up paying more for the item than you need to and the retailer benefits. If you’re worried about not having an extended warranty, check with your credit card company and purchase your electronics with a credit card that offers extended warranty protection.
Use the Stores Credit Card and Pay It Off On Time. Use the card when the store offers 6 months, no interest, no payments; pay it off on time, and you’ve used their money for free. Be careful, though: these offers are tricky, because if you miss a payment or don’t pay the full balance off on time, your interest rate soars. Don’t have one? Open an account, pay it off, then cut up the card.
Shop in the Store but Purchase Online. Many times you can get the very same thing you see in the store for cheaper online (and also free shipping).
Only buy what you need. I’m working on this one, I’m a sucker for BOGO’s and 2fers and I know better! 2 for $5 or 5 for $10 means they have to move the merch; they are hoping you will buy more than what you need. You can pay the unit price and buy only what you need, 1 or 3.
Haggle. This I do a lot, but once I thank them for their time and head for the exit, I get called back before I reach the door. I always haggle for electronic purchases, I never pay full price (especially if I’m shopping with cash). This works best at electronic only stores, not stores such as Target or Wal-Mart.