Disclaimer: I mean skint here as in "don't have any spare cash" as opposed to, you know, homeless. 

It's an old cliche that as a country we're very bad at negotiating, maybe that's why we're "a nation of shopkeepers"? (True story: my friend once tried to haggle the price of a fridge for me in Currys. The shop assistant told him she'd be right back and then literally went and stood awkwardly down a different aisle to avoid him. Harsh!) But running a business you quickly realise that practically everything IS negotiable and if you don't make the move you could be losing out.