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Haggling or Bargaining whatever you want to call, it is the best tool you got at these tough times. I hear about it a lot lately compared to few years ago. In many money magazines, it has become normal to see articles about how to bargain to get a cheaper deals. 

This tool was once considered offensive and embrassing by many is now becoming more common. In India and Asian countries, its a normal  trading technique. You can also find it being used in Farm markets and Garage Sales.
 
Bargaining can be used to get cheaper deals on the private party sales like craigslist, Angie list sales or Garage sales websites. Even Medical bills can be to bargained by talking to the hospital or the physician you are using. If you don’t want to do it, there are professional who are experience at medical bills bargaining and you can find them at
http://www.billadvocates.com/

It is your money, don’t just give it away without a fight 🙂