22 Ways Senior Citizens Could Save More Money in 2018

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. Get Up to $2,400/year Off Your Mortgage

If you’re a homeowner born before 1985 and you want to save yourself thousands of dollars this year, there’s a program that you might be able to take advantage of called HARP. The Home Affordable Refinance Plan (“HARP”) is helping hundreds of thousands of Americans reduce their monthly payments by as much as $2,400 in their first year. The program was set to expire in 2017, but has been recently extended through 2018. In order to qualify for HARP you’ll need good credit, so if you don’t have a good credit rating then this probably isn’t for you. If lowering your payments, paying off your mortgage faster, and having an extra $200 a month in HARP savings would help you, then this could be a great money savings tip you could take.

2. Get a Lower Auto Insurance Rate

You might think you’re already paying a low auto insurance rate, but did you know that you could pay 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 – it’s called Best Quotes Auto Savings. 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. 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.

4. Consolidate All Your Existing Debt Into One Simple Payment

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 a quote to settle all your unsecured debt by clicking the link below.

5. Never Pay For Home Repairs Out-of-Pocket 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 can end up saving money 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.

6. Protect Yourself With Long Term Care Insurance

Employer-based health coverage will not pay for daily, extended care services. Medicare will cover a short stay in a nursing home, or a limited amount of at-home care, but only under very strict conditions. To help cover potential long-term care expenses, many seniors choose to buy long-term care insurance. Is it worth getting Long Term Care Insurance? This is something that you really have to decide for yourself…don’t let anyone pressure you into buying it if you feel it’s not worth your money. The costs of covering long term care on your own can often times deplete your retirement savings fast. That’s where having long term care insurance can be a very useful thing to have as many basic policies will cover up to $164,000 in benefits. You can get a personal quote for long term care insurance by clicking here.

7. Save 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. National Family 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.

8. NightSight Driving Glasses

Seriously, did you know that the vast majority of car accidents happen at night and right before dawn? A lot of that has to do with glare and the problems with vision many people experience. Maybe that’s the reason these driving glasses are selling at a big discount for seniors over the age of 55. Night Sight HD can reduce night driving glare and eye strain, and and help improve seeing at night during snow or rainy conditions.
It lets you see enhanced colour, is durable, lightweight and is fully equipped with polarized lenses. Unlike clip-ons it protects your eyes from all sides, and you can just slide it over your existing prescription lenses. Whether driving, reading or golfing, these versatile goggles make seeing a whole new experience.

9. 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.

10. Doc Socks – The Must-Have Compression Socks For Foot Pain Relief

An essential for anyone with sore feet comes Doc Socks. Foot pain, no matter how much or how little it hurts, it sets a precedent for underlying health issues to come. You would think that compression gear was for the elderly or just for athletes. This is no longer the case. In fact, millions of Americans have experienced foot pain related to the arch, heel, ankle, or plantar fascia.

These episodes, no matter how short or how long, determine chronic issues later with varicose veins making an appearance. The wonderful team over at Doc Socks have come up with a fantastic pair of compression sock sleeves. Their new socks dramatically reduces swelling and pain in the heels. It soothes achy tired feet and helps with the circulation of blood flow so that your feet are getting enough oxygen. They are currently selling these at a discount just for seniors.

11. 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!

12. Get Paid To Take Online Surveys

Let’s face it, a lot of us have a bit of extra time on our hands after we retire. What if you could get paid a little bit of extra pocket money just for taking a few online surveys? Would you do it? There’s a new website called Survey Junkie that allows you to do just that. You provide them with a bit of information about yourself and they’ll match you up with to surveys that you can complete for big brands. You then earn rewards and virtual points that you can redeem for Paypal or e-Giftcards. You won’t make a ton of money doing this, but it could help pay for a few things every month and it’s easy to do.

13. Go Solar And Cut Your Energy Bill

Did you know you can significantly reduce your monthly electric bill and pay nothing for it? If you live in a qualified zip code you can get paid to go solar! Thanks to a little-known rebate program called Federal Residential Renewable Energy Tax Credit, homeowners who live in specific zip codes are getting thousands in rebates to install solar panels.

Many people were shocked that subsidies and rebates cover 99% of costs associated with installation so it literally costs $0 to have done. Learn more about this program and check if your zip code qualifies. Senior homeowners can literally save $1,000’s of dollars just by using this program.

14. Fix Back Pain & Plantar Fasciitis With This Tip

Aging isn’t fun, and a lot of people don’t like to admit their body isn’t quite what it was when they were young. Foot pain, no matter how much or how little it hurts, can cause underlying health issues like back pain, joint pain & plantar fasciitis. That’s why a world renowned orthopedic surgeon is now recommending all senior citizens use these special insoles called Mindinsole.

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

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

15. These hearing aids will change your life – Try Risk-FREE!

Can’t quite hear like you used to? That’s just part of life unfortunately. But, don’t worry – the future of modern hearing systems is here.
Signia have just unveiled a brand-new kind of hearing aid, the Primax Hearing System, that offers the best hearing alongside a very discreet design. In fact, the device is so small that nobody else will know you are wearing it – unless you tell them!
This cutting-edge technology is like a tiny computer in your ear. With Bluetooth connectivity, you can talk on the phone, listen to music, and watch TV all while wearing your hearing aids. It can even pick up voices and reduce background noise automatically.
Right now, Signia is giving you the chance to try this revolutionary hearing aid Risk-FREE! Act fast though – stock for this offer is limited.

16. 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.

17. HeatBuddy – Heat A Room In Minutes (And Save $100’s)

Days are getting shorter, the weather is getting colder. Heat up an entire room in < 20 minutes. After a long and hot summer, you need to be ready for a cold winter. Don’t be caught in the middle of a snowstorm, bundled up with 3 layers of clothing wishing you had your own HeatBuddy. Portable and with adjustable settings, HeatBuddy helps you and your family make life easier one room at a time! This is a no brainer when it comes to saving money on your heating costs this winter… rather than leaving your heating on all day and all night, use the HeatBuddy to heat up your rooms fast and efficiently. Overall this could end up saving you a lot of money in the winter.

18. Claim Free Everyday Household Products

Here’s a little tip most retirees aren’t told about. Chances are you purchase the same household products on a daily/weekly basis. But what if you could get free samples sent to you from these very same manufacturers? Not a lot of people know about it, but you can actually claim free samples from top brands. If you’re looking for a way to get household goods, pet food samples, sweet treats, posters, days out vouchers and much more, we recommend signing up for the Free Samples Guide. Once you provide them with your email address, they’ll let you know when you’re eligible for the latest free samples and how to claim them.

19. 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.

20. 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!

21. Get Thousands Back, Get Rid Of Your Timeshare

If you’re stuck with a Timeshare you never use, let the experts help you get your money back instead of struggling alone. My Timeshare Expert helps you recoup the cost of your Timeshare by providing all the resources you need. Get a free quote with no risk and no obligation through My Timeshare Expert and let the experts tell you how to get thousands of dollars back on your investment. Simply enter your information to get your free quote!

22. Get A Good Nights Sleep

This device was just released in 2018 and is called Dodow. It’s completely disrupting the billion dollar sleeping pill industry worldwide. As we age, it gets more and more difficult to fall asleep quickly (and stay asleep). In fact, almost one-third of older people in the U.S. take sleeping pills. Instead of taking harmful and toxic pills to try and fall asleep (that often have you feeling groggy the next morning), millions of older people are now turning to Dodow. Not only can it help you fall asleep in 20 minutes or less, but it also improves the actual quality of your sleep so that you wake up completely refreshed and ready to start the day!