In order to do this glitch you must have the money to buy the house/upgrade and be close to a chest/dresser/wardrobe(an y storage item). You talk to the guy ur buying the house/upgrade from and say you wish to buy it, if your buying a house he will say "i still have a house for sale if you wish to buy it" click yes and close menu before he finishes talking and go to the storage item and store all of your money(be sure to get to storage item and activate it before he finishes talking) retreive your gold after her finishes talking and ull have the house/upgrade with no cost.