I hate negotiating. I just want to know how much it is and, if it's a good price, I'll buy it. If not, I'll keep looking. And, if not, don't bring down the price hoping I'll buy it for cheaper because, to me, if you were going to be selling for a discounted rate, just tell me what the lowest price would be and I'll make a decision from there.

Even if you're an expert at haggling, according to a money-saving guru, these seven simple words can save you a ton of cash.

That's it!

Just say, "you'll have to do better than that," stop talking and wait for a response.

According to Roger Dawson, negotiation expert, this is a tool that only the very best sales people use. As tempting it is to break the silence with more talking, for many, once you start talking, you can't stop. This might be a sign of uncertainty or even weakness.

Give it a try next time you see something at a yard sale or on Craigslist and tell me if it worked.