Don't ever consider paying retail. Offer five to start, and expect to pay three by the time you're done. All right, settle for four. Prowl through consignment shops and thrift shops and upscale second-hand shops. Ask for a 25 percen discount because the button is falling off. All right, settle for 15 percent. Offer ninety-nine cents for that last piece of pie, the one with the broken crust and the forlorn filling. When your boss offers you a raise, bargain for fewer hours instead. When your partner offers to watch the kids for an afternoon, bargain until you've got yourself a three-day weekend. Use your bargaining power to empower yourself. Come to the bargaining table with your eyes wide open--just in case you're hit with a lot more than you bargained for.