How can I take advantage of year-end deals when I don't have the
budget right now?  My favorite salesperson just called with the
most amazing end-of-year blowout deal. But, given the timing, I
simply don't have the budget to buy all that I want or even need
for next year. How can I get this great deal when I have more
money to spend? This is a very common sales tactic – and can be
seen at end-of-quarter, end-of-year and any other time where the
salesperson has a deadline to meet. By design, the deals offered
are so great that you simply do not want to pass them up. But be
warned, the great deal is only great if it's exactly the thing
that you truly need or want, and it's only great if you have the
time to devote to a properly completed transaction. The so-
called Half-Baked deals at the end of the year tend to visit you
again and cost you well more than what you initially saved. But
if you've been sitting in wait and now simply don't have the
money, there are at least two things you can do to get the deal
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