It never hurts to have a strategy when you are trying to save money while shopping.

» If you have a favorite store, ask for that store's credit card. You'll get discounts and coupons.

» Consider applying for a store's credit card when you're making a big purchase; you'll get a discount on the spot (usually 10 percent). Just check the interest rate before you sign up.

» When buying appliances, don't give up if the sales rep won't at first match your price. Ask for a free extended warranty and free accessories -- and then ask to speak to the manager to lower the price, keeping the freebies you just earned.

» Don't be afraid to ask for a discount on a less-than-perfect piece of clothing or accessory. Whether it's a spot of makeup on a fabulous blouse or a small scuff on a leather belt, you may save up to 25 percent off retail.

» Shop off-season for boots and sandals. You'll be amazed by the deals you can find.

Source » Good Housekeeping