Merchant's Bearing (3.5e Trait)
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 Merchant's Bearing [Equipment]
You have spent much time in 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: All items with a value of less than 500 gp, which your character chooses to purchase, are purchased for 50% of their normal printed cost. After character creation, this trait allows you a +1 on Diplomacy and Sense Motive checks, but only when used to haggle with a vendor in an attempt to acquire an item at a reduced price.
Drawback: Because of your acute frugality, you quite often believe that a merchant has overpriced his goods (whether this proves accurate or not), considering this you receive a -1 to all appraise checks which you make to glean the value of any item.
Special: For those of you playing PF (you know what this is), this should count as an Equipment Trait, and the drawback may be discarded if your GM approves of your doing so.
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.