22 Ways Senior Citizens Are Saving More Money in 2021

There are many special discounts that are available to seniors. Retirees are offered discounts at most retailers, restaurants, parks, on public transport and at hotels. However, you won’t get these discounts unless YOU ASK for them in person or over the phone.

But what about senior discounts online? We realized that seniors had no way of knowing about the online discounts available to them and compiled a list of the 22 best discounts available. Not only can you read about them here, you can click the links provided if you want to take advantage of these special discounts.

1.Special Mortgage Program Pays Homeowners Up To $77,221 (You Must Qualify)

When homeowners visit this site they may be surprised to find out that they qualify for a cash-out payment that could help make home improvements, take a vacation, pay off debts, and more.

This brilliant NEW program called FHA Cash Out Program can provide up to $77,221 to qualified homeowners (if you qualify). Most homeowners use this cash for home remodelling and repairs but you can use it however you want. As far as we are aware, deadlines for these programs haven’t yet been announced, but if transforming your home, paying off debts, or even just taking the cash for a vacation or new car would help you, it’s smart to act now. Remember, these are free programs and there is absolutely NO COST to see if you are eligible.

Click here to check if you qualify for free and find out how much you can claim. It’s an easy way to put cash back in your pocket!

2. Discount on Car Insurance

You might think you’re already paying a low auto insurance rate, but recent research shows that only 5% of Americans over the age of 55 are paying less than $50 per month for car insurance. If you’re currently paying more than $50 per month, and have had no accidents or tickets in the past two years, you can probably secure a much lower car insurance rate. The best way to do that is to compare quotes from multiple insurers – let them compete for your business. In fact, there’s a new website that allows you to do just that. Once you fill out the form on their website they’ll provide you with multiple quotes you can choose from. If you’re still not satisfied, you can always call up the major car insurance companies and let them know you’re looking for better offers and that you’re a senior citizen.

3. Cruise Deals

Carnival Cruises, Princess, Royal Caribbean, Costa Cruises, Cruise Direct, there are hundreds of amazing cruises at great prices to be found online.

Is there any better way to celebrate life than to venture out at sea? Cruises are wonderful with their all-inclusive travel options where you get to sit back, have a drink or two for free, soak up the midday sun and enjoy some high-class cuisine along with various live music performances.

Cruise lines offer a huge variety of discounts for senior citizens, and this includes some of the most well-known companies like Carnival Cruises and Royal Caribbean, offering exclusive deals to citizens over the age of 55. You will be able to get a cruise deal anywhere in the world, be it the Caribbean or even the icy Alaska. Keep in mind that not all cruises have discounts, so it is best to check with the specific cruise company.

4. Go Solar -- Slash Your Energy Bill

Seniors who live in qualified areas across the United States are slashing their monthly electric bills by going solar. Brand NEW tax credits & rebates are making going solar a no-brainer decision for many seniors who may have been on the fence in the past.

Many of these NEW solar programs for seniors have $0 up-front costs, significantly reduce your energy bill and will increase the value of your home by putting solar panels on your roof or property. These brand new solar programs are savings seniors thousands of dollars. You can inquire to see if you qualify online, for free.

5. Owe More Than $20,000 in Credit Card Debt? Use This Brilliant Debt Payoff Plan

Stepping into retirement can be pretty daunting. Doing it with existing unsecured debts can make it even more of a challenge. Debt Settlement allows you to combine all your unsecured debts into a single monthly payment. Generally this allows for much lower payments on a monthly basis than the sum total of the separate debts – making life a lot more manageable. There are many firms out there who will walk you through the process making it simple and painless. If you have more than $20,000 in debt then this is something you should do right away, especially if you have credit card debt. You can get the best quote to settle all your unsecured debt by clicking the link below.

6. Never Pay For Home Repairs Again

Many people simply don’t have enough money lying around to pay for expensive home repairs. Your home insurance won’t cover your washing machine or AC breaking. What if your heater breaks when you need it the most? How many people have hundreds, or in some cases thousands, of expendable dollars to spend at a moment’s notice for a big repair?

This is why many homeowners are getting this new Home Warranty Program and they’re ending up saving thousands in the long run. ACs, electrical heaters, appliances, roofing repairs – they’re all covered! If there’s something they can’t fix they will just replace it.

7. Reverse Mortgage (Free Info Kit) - Boost Your Retirement & Stay In Your Own Home

A staggering amount of seniors do not have the funds to comfortably retire. This is why millions of Americans are taking advantage of a reverse mortgage loan to help supplement their retirement income while continuing to live in their own home.
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A reverse mortgage can be a great way to get a source of tax-free funds, while helping getting rid of your existing mortgage payment and generally, only having to pay for property taxes, maintenance and homeowner's insurance. It is crucial that you can go into your golden years with certainty, confidence and control. With this extra supplemental income, you can pay off overdue bills, repair or remodel your home, build a financial safety net, cover in-home medical costs, or even take the rip you've been wanting to go on. AAG is a leader in the reverse mortgage industry and has partnered with Tom Selleck of "Magnum PI" fame to help spread the word on how reverse mortgages work. They have put together a free info kit to educate you about the advantages of reverse mortgages. Visit here to claim your free kit and learn more about this valuable program.

8. Seniors Shocked Over Easy Way to Get Low Monthly Payments On Life Insurance

Unfortunately, as our age increases so do our premiums for life insurance. In fact, typically the premium amount rises 8-10% for every year of age. For senior citizens, rising life insurance policy costs can add up significantly.

Many senior citizens also have a hard time qualifying for a new policy once they reach a certain age. The best way to get the cheapest life insurance policy possible is to compare quotes from multiple carriers the same way you would do with car insurance or cell phone plans. This site is a great resource to use for just that. They will automatically use your information to find you the best life insurance policy for your needs at much lower prices.

9. Save Up To 33% on Home Insurance

We’ve partnered up with one of the top sites to help USA seniors save up to 33% on homeowners insurance. Homeowner’s insurance is critically important to help us protect one of the largest investments we make in our lifetimes, our homes. The problem is, many USA seniors not know the best home insurance companies to work with. You can use this website to price comparison shop multiple home insurance plans to save big.

10. ADT Offers Seniors An $850+ Discount On A Home Security System

This money saving idea is also for senior homeowners, so if you’re a renter you can skip this one. Did you know that homes without security systems are 2.5 times more likely to be targeted by burglars and intruders? But installing a home alarm system isn’t just to stop burglars and intruders, it can also save you big money year after year. A house alarm will save you money on your homeowners insurance policy (which is generally mandatory if you own a home). In fact, on average installing a home alarm system will give homeowners a 10-20% discount on their insurance by having a high functioning home alarm system installed. The good news is that these home alarm companies are pretty desperate for customers at the moment so you can get a good deal. For instance, one of the best alarm system companies – ADT is currently offering over $850 in free equipment plus a $100 Visa gift card.

It’s also really important seniors have a high functioning alarm system installed so that they can get medical aid in the case of a life threatening emergency, especially for those who live alone.

11. Go Shopping

Banana Republic, Kohl’s, Marshall’s and Stein Mart

You might be surprised to learn that a lot of trendy shops give a senior citizens discount. At Banana Republic, if you over 50-years old you can get a 10% discount at stores, simply by asking for it.

At Kohl’s on Wednesdays, over 60s can get 15% off. And on Tuesdays, outlet stores Marshall’s, Ross will offer up a 10% discount for seniors – though the exact age is determined by each store.

Walgreens hold a “Seniors Day” once a month too – which varies by location. Discounts of 20% are available for Rewards card members that are over 55 years old in store, and if you’re shopping online you can get a 10% price reduction.

If you are 62 or older, you can get a 10% discount every Tuesday and Wednesday at Dress Barn. And that’s not all, Stein Mart are treating over 55s with their clearance offer. On the first Monday of each month, you can get an extra 20% discount on clearance items. Goodwill gives 10%-20% discounts varying by store.

Just remember to check with the specific store in your area, as discounts might vary and change without notice.

12. Save on Medicine

Healthcare is an essential part of human life, and the costs of prescriptions add up more and more as you age. Most retirees need to take some type of medication, so it’s only right that you should be able to get a discount on your pills. By choosing the right insurance company for your needs you could get your prescription drugs covered.

Also, many seniors may not know this, but they may be eligible to get extra benefits out of their medicare insurance plan. You can also check if you are eligible to get vision, dental, hearing or even arthritis treatment coverage included.

13. Never Get Ripped Off By Mechanics Again with FIXD

Have you ever gone to an auto repair shop for an oil change, only to have the mechanic say you need a new transmission? Or has the mysterious “check engine” light come on, and next thing you know the mechanic has a list of expensive engine parts that need replacing?

Unfortunately, mechanics know taking advantage of people is easy, given their lack of knowledge about car maintenance needs. But there’s a new device you can carry with you in your car to tell you exactly what’s wrong with it. If you own a car built after 1996 then you can use this brilliant new device called FIXD to instantly diagnose any car problems.

This means the next time your “Check Engine Light” happens to come on, you’ll know exactly what the issue is and the Mechanics won’t be able to lie to you!

14. More Than $5,000 in Tax Debt? Use This Brilliant Debt Payoff Plan

Seniors that carry tax debt don't need the burden of increasing interest payments every month. But credit companies may not want you to find out about alternatives.

For anyone with more than $5,000 in tax debt, this tax debt relief program for seniors may reduce the amount of money owed. The program can resolve debt without a loan, and may help people become debt free in 24-48 months by using this one strategy. Those with over $5,000 or more in tax debt can click here to see if they qualify for reduced payments.

15. Get A Walk In Tub At A Big Discount

Walk-in tubs are designed to satisfy the needs of seniors, the disabled, handicapped or anyone with mobility challenges. Statistics say that falls occur in your bathroom more often than in any other room in your house. The Center for Disease Control tells us that two-thirds of bathroom injuries happen near your tub or shower. Usually they happen when you step over your tub wall, or slip on a wet floor, or when you lean on a glass door that wasn’t designed to support your weight. It’s another fact of life that these bathroom injuries increase significantly after you turn 65. This is often when your eyesight starts to fade, and you have less mobility and balance. The bottom line? One in three adults over 65 experience falls each year. Right now, many Walk-in Tub manufacturers are offering big discounts to seniors. You can get a free quote on a Walk-in Tub by visiting this website.

16. Hotel Rooms

If you want to settle down for the night someplace away from home you can be sure to get a discount at Marriott, Comfort Inn, Motel 6 and more.

Keep in mind that discounts may vary and change without notice.

Marriott – 15% discount (62+). You can book online or call and ask for the senior discount
Red Roof Inn – option of “senior rate” when you book online, may not be available for all locations
Choice Hotels – 10% discount if you book in advance (60+)
Hyatt Hotels – up to 50% off in participating locations. To qualify for this deal you have to make a reservation in advance and book for two people (60+)
La Quinta – varying offers at participating locations (65+). Book online or call and ask for senior discounts
Omni Hotels – varying offers at participating locations (55+)
Motel 6 – 10% discount (60+). Call and book over the phone in order to get discount
Wyndham Hotels – varying offers at participating locations (60+)
Hampton Inns & Suites – 10% off when booked 72 hours in advance

17. Save on Groceries

Once you’ve used your senior discount at all of your favorite restaurants, you’ll need to buy some groceries. Lots of stores give a senior discount – you just need to ask.

Keep in mind that discounts and deals may vary and can change without notice.

■ Farm Fresh – 5% discount Tuesdays and Thursdays (55+)
■ Hy-Vee – depending on location will usually offer 5% discount on Tuesdays and Wednesdays (some stores set age to 65+)
■ Fred Meyer – 10% senior discount on the first Tuesday of every month
■ New Seasons Market – 10% discount every Wednesday
■ Compare Food Supermarket – 10% discount in participating locations, get in touch with your local store to find out more
■ Piggly Wiggly – varying discounts at participating locations
■ Fry’s Food – 10% discount on the first Wednesday of every month to all seniors with VIP card.

18. Hearing Hero - Upgrade To Modern Discreet In-Ear Hearing Aids

The future of hearing devices is here and it's called Hearing Hero. These new precision hearing aids are the most discreet (almost entirely in-ear) to ever come out. Old hearing aids would just make sounds louder...these hearing aids also make sounds clearer. They use minicomputers to analyze, pick up, and filter noise automatically. Whether in a busy restaurant or listening to grandkids, this is definitely the best hearing system you can get.

19. Feet Insoles - A Foot Massage All Day Long

They've carried you everywhere from your first day of school through this morning's walk or run. Aging isn't fun, and a lot of us don't like to admit our feet aren't quite what they used to be in the past. Pamper your body and experience reflexology treatment on the go with Mindinsole magnetized acupressure insoles.

Taking inspiration from the ancient practice of zone therapy, Mindinsole will massage your way to better health. The insoles will stimulate precise pressure points on the soles of his feet to relieve strains, reduce pain, and boost your energy levels.

On each insole, there are 400 acupoints to target critical areas of your body. Reduce back pain and release harmful toxins from your body – Mindinsole is just like having a massage therapist wherever you go.

20. Save Money on a New Roof

Paying for a new roof can be an expensive inconvenience for senior homeowners, but it’s something that can cost three to five times more money in years to come. If your roof becomes damaged by leaks or poor insulation, it’s necessary to have it repaired or replaced. If you think your roof might be damaged, visit this website to get quotes from trusted roofing experts in your area.

21. Seniors Save Big on New Windows

Did you know that you can save up to a whopping 40% on your energy costs each month…simply by installing new windows? It may seem odd, but it’s true! Original windows in older homes tend to let out drafts, which contribute to much higher utility costs than the homeowner realizes. Oftentimes, by replacing the old windows with modern versions, the costs to run the A/C and heat drop substantially, and the windows pay for themselves!

And here’s something even better: for a short time, senior citizens can save hundreds of dollars on brand new windows from top manufacturers. Visit the link below and you’ll receive free quotes from the best roofing experts in your area. All you have to do is pick which one has the price you like most and wait for your scheduled appointment!

22. Treat Yourself to a Meal—For Less

Did you realize that even if you don’t feel like cooking, you can get a discount for going to a restaurant? Many national chains offer 10% to 15% off to seniors, or small incentives like a free drink or meal upgrade. Like many others on this list, your best bet is going to be to ask once it’s time to pay.

If you’re in a mom and pop establishment, you may also have some luck as well. Do yourself a favor and always ask your server or cashier about the discounts they offer; you never know when you can save yourself a few dollars here and there

Don’t forget to claim these great money-saving senior discounts:

Car Insurance Discount. Click here to save $400+ on car insurance!

Mortgage Discount. Click here to save $4,264 on your mortgage each year!

Debt Relief. Click here if you owe more than $20,000 in credit card debt.

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