How to get just a mattress cheap, if you aren’t extremely picky:
Decide what you want and what you are willing to pay, for example, a queen sized mattress, with pillow top, in the medium to slightly extra firm range. $250.
Get that $250 in cash (tens will look better psychologically), then start going from store to store. Don’t hit just the big mattress shops, do the smaller local furniture stores, too. At each place, ask right away to speak to the manager – salesmen will be useless to you.
Once you’re speaking to a manager, lay out the picture: “I want XXXX and can only spend YYYY. That’s it, I have no flexibility on price at all, but I’m willing to consider any of the brandname manufactures, and I don’t care a bit what the fabric looks like.”
Manager says something like, that’s way too little.
“No, I know that YYYY isn’t a lot for a mattress, but we both know that bedding stores almost inevitably end up with a few ‘leftover’ pieces because the other half of the set was delivered damaged. I know you normally have to store those pieces until you have a clearance/mismatch sale, but I’m here now and I’ve got cash in hand. (flashing it in your wallet can be good here.) Do you think you have any mattresses that would suit me?”
If he says no and tries to move you up in price, just repeat you have no flexibility on price at all, but maybe add some other incentives if you can: “I know you usually throw in a bedframe and delivery, maybe a set of sheets, too, but I wouldn’t expect those. I’m ready to pay cash right now and haul it home myself.”
If the answer is still no, thank him and move on to the next store.
I have done this type of bargaining six times over the past eight years (for our bed and the guest room, plus for my parents and a sister-in-law who can’t face the idea of haggling.) In the worst case I had to go to five stores – but that was for a king mattress & boxsprings for only $450: the fabrics don’t match, but who cares? No one knows once the sheets are on. I got our own queen sized mattress at the very first place I tried, for just $175!
Remember: you HAVE to be speaking with a manager. Salesmen A) are’t authorized to make those kinds of deals and B) don’t want to, because they’d get practically nothing in commision. The manager, otoh, knows very well that storing the mismatched pieces is an inconvenience and an expense (since they already laid out money for goods they can’t sell normally) and there’s always the risk that the pieces will get banged around during storage until that clearance sale, and damaged to the point of non-salability at any price. To a sensible business man, getting a somewhat reasonable amount of money RIGHT THEN is better than hoping for somewhat more at a later date.
Good luck!