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: When roleplaying this trait, it is suggested that your character perpetually counts their capitol, and even invariably inventories their possessions. While the character would in no way mind using a potion or coin when absolutely necessary, 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.