12 Days of money-saving: pay less for everything

Klaus OhlenschlÀger/DPA/Press Association Images

It sounds ridiculously simplistic, but often the secret to getting a better deal is just to ask for it. In the current market everyone from ebay sellers to car salesmen and even high street shops are incredibly keen to make every sale they can. It means that increasingly they are willing to do a great deal for the skilled haggler.

So we have the five secrets of haggling your way to a bargain

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