Merchant's Bearing (3.5e Trait)
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You have spent much time around skilled merchants, and hence have become exceedingly frugal, unable to easily part with your hard won coins. As such, given sufficient time, you seem to always pay less for your supplies than others.
Benefit: You gain a +1 bonus to Diplomacy and Sense Motive checks made to haggle for the cost of purchasing items.
Drawback: You take a -2 penalty to Appraise checks. Because of your acute frugality, you quite often believe that a merchant has overpriced his goods (whether this proves accurate or not).
Roleplaying Ideas: You perpetually count your capitol, and invariably take inventory of your possessions. You do not mind using a potion or coin when absolutely necessary, but you would be unlikely to lay down a considerable investment in another, at least not without constantly reminding them of the debt owed to you.