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If you're still shy about haggling for a better price, take a baby step by asking if you're eligible for a discount based on memberships, Jeff says. "Promotions" also is a magic word for many catalog companies and other retailers. "Just ask if any promotions are currently being offered, as many times discount programs are available but the customer needs to mention it first," he says.

More of Jeff's advice on how to be a cheapskate and still enjoy a high-quality life

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