Everyone knows about basic, everyday discounts at restaurants and popular retailers, but you would be surprised to learn about some of the biggest discounts and Special Programs now available to help adults cut expenses and boost their retirement. Unfortunately many Americans are missing out entirely, simply because they don't know these programs exist.
That's why we put together this list of the simplest things anyone can do right now to save a small fortune this year.
Note That: Many of these programs are only available online and could expire as early as this . We encourage you to claim the items in the list below to make the most of it while they last.
1. Collecting Social Security? Consider a "Do-Over" and Get a Benefits Boost
An obscure tax law allows those who collect social security to halt current benefits, pay back everything collected (interest-free), and restart benefits at a new, higher rate based on your current age. It's called "do-over" and it can dramatically increase social security.
Here's how it works... Let's say someone qualifies for full benefits of $1,600 a month at their normal retirement age of 66, but they decide to begin collecting benefits at 62. As a result, their retirement benefits will be reduced by 25% for the rest of their life (to $1,200 a month in this example) because they'll be collecting a smaller benefit for a longer period of time.
On the other hand, if that person delayed collecting benefits, they will receive an 8% boost for every year beyond their normal retirement age until they reach 70, when their maximum benefit will be 132% of what they would have received at age 66. In this example, this person would receive about $2,100 a month at 70 -- a $900 difference!
Most don't realize this option is available to them, but that doesn't mean it's for everyone. Be sure to crunch the numbers and speak with a qualified advisor before doing anything drastic.
2. How to Reduce Your Electric Bill — Homeowners Go Solar Now And Enjoy Low Electric Bills
Here's something the power company doesn't want you to know. A little-known program gives homeowners who live in these certain areas a big incentive to switch to solar.
The program is at the federal level, under Residential Renewable Energy Tax Credit taxpayers can claim up to 26% of qualified expenses for investing in a solar system for a home you own and live in, which provides subsidies and rebates that can help with costs to go solar and improve your monthly electric bills once and for all. In fact, the average tax break gives back $4,860 for installing solar panels.
Has your power company told you that? Most likely not. That's because once homeowners go solar, their energy bill is reduced by 25%. You can bet the energy companies are not too thrilled about that.
Homeowners should check to see if your home qualifies here before the program expires. Connect with solar installers and be on your way to eliminating electric bills.Check If My Area Qualifies »
3. Paying More Than $16/Week for Car Insurance? Here's How to Save $610/yr or More
Did you know that depending on your age and other factors, car owners could get a generous discount on their car insurance?
In fact, if you're paying over $63/month for car insurance, there's a good chance you're paying more than you need to. It's quite common for this to occur, as most simply keep their same old policy in place... and those rates can creep up over time without really noticing.
Most people are also not taking advantage of the multiple discounts available to them (probably because they don't even know they exist). Luckily, finding these discounts and seeing how low your rate could be is super easy. Just use this brilliant website to check for discounts your area qualifies for.See My New Rate »
4. Enjoy These Discounts When Eating Out
If you don’t feel like cooking be sure to turn to these places for good senior dining deals. From fast food to steak restaurants, our compiled restaurant list will definitely help you make your choice.
Keep in mind that deals may vary at participating locations and can change without notice.
- Walmart: Special deals for those 55+ depending on location
- McDonald’s: discounts on coffee and beverages (55+)
- Wendy’s: get free coffee or other discounts depending on location
- IHOP: 10% discount (55+) and a menu for people aged 55 and over at participating locations
- Golden Corral: Senior discount varies by location (Inquire)
- Denny’s: Offers a 55+ menu with smaller portions, and better prices. (We like this a lot!)
- Perkins: Restaurants: Fifty-Five Plus menu Offers special deals (55+)
- Subway: 10% off (60+) varies by location
- Old Country Buffet: Daily discounts for seniors (55+)
- Burger King: 10% discount on purchase depending on location (60+)
- Long John Silver’s: 10% discount or discounted beverage (55+)
5. Special Program Gives $250,000 in Life Insurance for Just $15/month!
If you have any family, life insurance is a must. Most people don't have savings large enough for their family to pay off their mortgage, cover living expenses, and pay for final expenses — never mind ensuring your loved ones don't inherit your debts.
Life insurance companies know all of this and the bigger the policy, the more they profit. They've been getting away with charging high rates for years – but that's all coming to an end.
Thanks to a new special program, there is now a way to get a rock solid, yet very inexpensive life insurance policy from top providers. Simply by using this new life insurance comparison website it's easy for anyone to see how cheap plans can be, regardless of age or medical history. The best part is it's totally free!
The website will run your options through their technology to automatically find the best life insurance policies available at the lowest possible price. Even if you already have a policy, it can find comparable plans at a much much lower price. You could easily end up saving up to 70% on life insurance!
No medical check and guaranteed acceptance policies are also available for adults of every age, even if you have been denied in the past.Get Cheap Life Insurance »
6. Seniors With $15,000 or More in Card Debt Use This Brilliant Debt Payoff Plan
With the skyrocketing cost of living in the United States, more and more adults are struggling with financial debt than ever before. And with interest rates snowballing the amount owed, paying your card balances can seem like a trap that can never be escaped. Here's what the banks don't want you to know...
For anyone over the age of 40 that owes $15,000 or more in card debt, this debt relief program could greatly reduce the amount of money owed. The program could resolve debt without a loan – allowing many to become close to debt free in just 24 – 48 months.
So if you carry $15,000 or more in card debt, click here to see if you qualify!Reduce My Credit Card Bill »
7. Transportation and Travel Discounts
For those that like to get out of town, vacation, or visit the grandchildren, be sure to always ask for discounts from the various travel providers. This is especially true for travelers 55 and over. Here are a few we know about...
- American Airlines: There are various senior discounts that apply to various trips. Call to find out which are available.
- Amtrak: Senior pricing is available for most Amtrak locations. This ranges from 10 to 15 percent off.
- Alaska Airlines: Seniors can save a significant amount with discount plane tickets. However, discounts vary from one time frame to the next. Most commonly, seniors can save 10 percent.
- Southwest Airlines: Seniors over 65 who are traveling with Southwest Airlines may be eligible for Senior Fares. These are available online and for international and domestic travel. You can also purchase Senior Fares through a customer service representative at the airline or a travel agency. You will need to arrive early at the gate to be able to prove your age in order to be checked in for your flight.
- United Airlines: United offers discounted prices for flights for seniors over 65. Seniors need to select the Over 65 category when purchasing tickets online or with a customer service agent. Discounts vary depending on the flight and location.
8. New "Roof Replacement" Program Helps Homeowners Get a New Roof
Homeowners should never have to pay full price for roof repairs again. In the past roofing work could cost a fortune. Worse yet, a bad roof can lead to tremendous damage, mold, animal infestation and other expensive situations that could be avoided with proper home maintenance.
No doubt replacing a home's roof is an easy thing to put off "until next season," especially since traditionally the cost could come with quite the price tag.
But thanks to this brilliant new website, it no longer has to cost homeowners an arm and a leg to get the roof replaced or repaired. In fact, homeowners that use the site will never have to pay full price for roof repairs again.
Now homeowners can get their roof replaced while saving thousands of dollars in the process by taking advantage of all special discounts, rebates and incentives available in their area.
Every homeowner should check to see how cheap it can be to get a new roof in their area.Check If My Home Qualifies »
9. Homeowners In Eligible Zip Codes Get $1,632/yr Back On Their Home Insurance. Check If Your Area Qualifies...
A new Special Program is helping thousands of savvy homeowners get up-to $1,632/year back on their home insurance. Has your insurance provider told you about this?
Let's face it... everyone needs homeowners insurance. But how often have you actually used your insurance? Probably not nearly enough to make up for the cost year after year.
Here's something most people don't know about home insurance and it's one of the easiest ways homeowners can save...
Homeowners insurance is actually pretty inexpensive, but most people are paying far too much. In fact, most homeowners can now get an average $1,632 taken off their annual bill for the same or even better coverage by using this popular website.
In just seconds, you can get quotes from the top insurance providers in your area that compete to give you the lowest rate... allowing you to get a big discount on great coverage. Many report they're able to get a huge savings just by using this site to reduce their bill for free.Reduce My Home Insurance »
10. Make A Grocery List
You ever go to the grocery store when you're hungry and find yourself checking out with way more than you intended? We call this "Hunger Shopping" and it's quite dangerous to your wallet!
Before going to get groceries, make a list of groceries that you need for the upcoming week. That way, you only buy what you're intending to use and the amount that will get thrown away from being expired is kept to a minimal.
11. Buy in Bulk
One of the easiest things you can do to instantly start saving money is to buy in bulk! Retailers often give a MUCH better deal on products such as paper towel, toilet paper, detergent, etc if you buy in bulk.
This might seem like an obvious one, but we often forget how much money we waste by not buying in bulk.
Bonus #1: Homeowners Get $850 in Free Home Security Equipment Installed This
Did you know that a home without a security system is 3x more likely to be broken into than a home with security. While installing a home alarm system isn't just to stop burglars and intruders, it may also save you big money year after year. A house alarm could greatly reduce your homeowners insurance policy too.
It’s also important for homeowners to 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.
For a limited time, homeowners can get $850 in FREE equipment + a $100 Visa gift card!
Register to Get a Free Quote »
Bonus #2: Don't Get Knocked Out By Home Repair Bills Again
Many simply don't have enough disposable 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? Who amongst us has hundreds or even thousands available at a moment's notice for such a repair?
This is why many homeowners are getting this new Home Warranty Program. It can end up saving a fortune in the long run by protecting unexpected home repairs. The furnace, appliances, roof repairs, air conditioning – it's all covered under this new program!Click Here to Learn More »
By taking advantage of the special programs in this list, seniors can easily save thousands of dollars a year — and for many years to come.
Don't Forget: many of these items may expire this , so do not wait to claim them and start saving right away...
1. Go Solar and Enjoy $0 Electric Bills: Click here to see if your zip code qualifies.
3. Claim $250,000 in Life Insurance: Click here to search discounted rates on life insurance!
3. Cut Your Home Insurance In Half: Click here to get a free quote and compare rates
4. Get Rid of Snowballing Debt: Click here if you have more than $15,000 in card balances.
5. Reduce Your Car Insurance: Click here to save $500+ on car insurance!
UPDATE: Walmart offering senior hours and discounts in select stores
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