How about buying luxury products or pre owned products at prices that you think are the best for them? My Luxury Bargain is one such online portal that gives you negotiation as well as emi options. You can negotiate and get the best price for yourself, or if you do not wish to cut a major chunk of your salary for shopping then emi is also there. In any case, you will be able to enjoy your desired products without going too heavy on your pocket.Read less