Most important thing is to know the “going rate.”
Most girls are very happy to receive the “going rate,” with a gentleman with good manners and good etiquette, who also leaves them enriched in purse and spirit. (happiness)
If her looks or age warrants a premium, I am fine paying a higher rate. She deserves it.
But, when faced with what I consider to be an unreasonable rate, even if she is a young looker, I smile, thank her, compliment her, and just tell her it is over my budget.
If they counter with a pretty good discount, it means that they are happy with that (they offered it, and they need/want the money) and we never engaged ourselves in the distasteful haggling process, which could blemish your time together.
I never go to places where I am obligated to be a “big shot big spender,” (like Vegas) because I am not one of those, and don’t want to be. Simply because it is just sex. It is not water in the dessert, or food during famine. It is constantly available, especially in New York City and surrounding areas.