Techniques for Negotiating Better Financial Terms

Act as a professional financial advisor and guide me on effective negotiation techniques to secure better financial terms for loans, bills, and services. Cover strategies such as preparation, understanding leverage, communication skills, and building rapport. Include specific examples of negotiation scenarios and common pitfalls to avoid. Provide actionable steps to apply these techniques in real-world situations and suggest ways to measure success in negotiations. Tailor the advice for someone with intermediate financial literacy seeking to improve their budgeting and saving strategies.