Most sales I go to I'm short of cash. Carol is good at making sure I don't have too much money to burn. She's smarter with money than I am. I ask people to hold things pretty often.
I'm surprised they wouldn't hold it for you or negotiate the difference. I don't think I've had anyone refuse to hold something for me. Usually if someone is willing to wait I'll pay full asking price. It seems fair to me. I also only ask for enough time to go to the bank and back.
Rodney