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1. Negotiate A Better Mortgage Rate With HARP

If you're a senior, congratulations! The golden years just got more golden when you're saving money. There are a bunch of incredible discounts that you qualify for, especially if you're over the age of 55. You may just save enough money to spend on that trip of a lifetime you've been looking to plan.

If you haven't yet refinanced your mortgage under HARP, you're running out of time. HARP is the Government's Home Affordable Refinance Plan (HARP) which is the best-kept secret from many homeowners who qualify. You can save a hefty chunk of cash by lowering your mortgage rate by an average of 1.8 percent. The only catch is that you have to have a good credit score, but if you're over 55 and have been good with your money, negotiating a better rate isn't a problem.

2. Install A Home Alarm System

If you're a homeowner, you can save a lot of money by having a home alarm system installed. Homes that don't have security systems are two and a half times more likely to be targeted by burglars, but the biggest savings comes from a lower home insurance rate. You see, homes with alarm systems have 10 to 20 percent lower home insurance than those homes that don't. What's more, ADT is offering free home alarm systems (Up to $850 worth of equipment) and a $100 Visa gift card just for signing up for their service.

3. Look for Senior Discounts at Your Favorite Stores

If you're a senior, you can save a lot of money just shopping at your favorite stores. Many stores are now offering senior discounts on certain days. For example, Kohls offers senior discounts of up to 15 percent off on Wednesdays. At Rite Aid, seniors get 10 percent off their prescription medications and if they shop on Tuesday, they get 10 percent off everything in the store. Many store discounts tend to be regional, so next time you visit a grocery, department, or drug store, ask the salespeople if they give discounts to seniors and when.

4. Get a Lower Auto Insurance Rate

You might not know this, but you're probably paying too much for your automobile insurance, especially if you have no accidents on record within the past five years. If you're paying more than $50 a month for your car insurance, you should look for better rates. 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 Discount Car Insurance.  Simply fill out a form on their website and they will provide you with multiple quotes. If you're not satisfied, try calling your broker or insurance company and see if they have a bundled rate (home, car, and life insurance) or give seniors a discount for safe driving.

5. Save on Medical Costs

Taking care of your health is even more important now that you're a senior. Even if you're healthy, you know you're going to need more medical care than when you were younger. Even if you're on Medicare, you can still save on the Medicare supplement plans. Many insurances offer prescription cards that will save you money on your medications. You may be able to get extra benefits and don’t even know they’re available. You can also check if you are eligible to get vision, dental, hearing or prescription drug coverage included in your plan.

6. Use the Library Instead of Buying Books, CDs, and DVDs

Remember going to the library as a kid? Well, they've updated their services and have the latest books, CDs, and even DVDs. In the mood for eBooks and digital media? Many libraries have updated their "shelves" to include digital media of all varieties. Just don't forget to renew or return them on time, otherwise, you might be negating the cost savings with fines.

7. Save on Life Insurance

If you have life insurance, you know that it goes up every year. For seniors, that can mean up to a 10 percent increase. If you don't have insurance, you need it, but some carriers won't take seniors and many raise the rates with preexisting conditions. What can you do about it?

The best thing is to compare rates, which is why it's important to shop around for the best rate. Even if you like your life insurance agent, if you're paying too much, it's not a good deal.

8. Write a Letter Instead of Buying Cards

Have you seen the price of holiday, birthday, and thank you cards? Yes, they're incredibly convenient, but they're also very expensive. Instead, why not dash off a handwritten (or typed) personal note, instead of buying someone else's cheesy sentiment that your family and friends will pitch after they read it? Feeling crafty? You can also make your own cards with colored construction paper, glitter, paint, and glue. Chances are your recipient will treasure the card as much as the present.

9. Save & Secure Photo Storage

If you have a lot of photos online, chances are you back them up or store them in the cloud. That's all well and good, but depending on your cloud storage provider, your photos could be at risk of being destroyed by viruses or hackers. Take control of your photo storage and use Photostick for all your photos. This stick is simple to operate and you never have to pay for storage again after buying one. The largest stick stores up to 60,000 photos. If you buy more than one, you'll save 50 percent and no more monthly fees.

10. Get a Huge Discount on a Walk in Tub

If you are mobility challenged, you're not alone. Did you know that one in three seniors over the age of 65 are likely to fall and that you're likely to fall in the bathroom more than any place else? Nearly two-thirds of all accidents in the bathroom happen around the tub or shower. That's why PRO Walk-In Tub is offering substantial discounts for seniors so there's less chance slipping and falling in the tub or shower.

11. Save on Car Repairs with the this little Gadget

It's a sad fact of life that many people are out there trying to rip off seniors. The car repair industry is no exception. So, when your car has a check engine light, does it mean there's really a problem that costs thousands of dollars or is it a simple fix? You'll know with FIXD, a simple gadget that actually reads your car's error codes and sends the information to an app on your smartphone. It also monitors your car's health and alerts you to small problems before they become big problems.

12. Save on Hotel Rooms

Like to travel, but hate paying full price for hotel rooms? Or maybe you're looking for a house or apartment to rent? With TripAdvisor, you can save up to 50 percent on hotels (plus flights, vacation rentals & restaurants). With all the money you save on some of the nicest places around, you just might be able to buy some more of those cool souvenirs.

13. Go Unplugged

You might be surprised to learn that your electrical devices all use a little bit of energy even when they're off. Unplug all the appliances and devices you aren't using and you'll see a lower electricity bill next month. Big energy users include computers, televisions, coffee makers, toasters, modems, stereos, radios, cable TV boxes, DVD players, VCR players, cordless phones, lamps, and anything that has a plug-in transformer. Unplug these and ignore those annoying flashing 12:00 lights.

14. Claim Free Everyday Household Products

Everyone loves free things, so you're sure to love getting free samples in the mail to try out. But The Free Samples Guide doesn't just send you samples, they also provide money-saving coupons, alert you to rebates, and even offer you great deals on products and services you use. On their website, you can learn about new, useful products, get recipes, and learn how to stretch that dollar so it goes further. Sign up for more money-saving tips.

15. Go Grocery Shopping Only Once a Week

It sounds crazy to only go to the grocery store once a week, but you'll save a lot of money by cutting out the impulse shopping and planning meals instead. When you shop to the list, it's far easier to make sensible purchases, plus you'll know you have your meals planned out for the week. You'll probably eat healthier too. What's more, you'll save time and fuel, as well as wear and tear on your car. Plus you'll have extra time to do the things you really want to do, instead of running to the store.

16. Consolidate All Your Existing Debt Into One Simple Payment

If you're paying on several bills at once, you may want to consider a debt consolidation loan that reduces your interest and saves you money. By using debt consolidation, you only have one bill to manage, instead of several little ones that all chew up your money because of high interest rates. If you have more than $10,000 in debt, then this is something you should do right away. You can get the best quote to consolidate all your unsecured debt by clicking the link below.

17. Ditch Your Land Line

If you're constantly using your smartphone, why are you bothering with a landline? Landlines are getting obsolete as more and more people have cell phone coverage. Try merging your two and determine whether you really need a home line when your cell phone is working great for you. You may be able to bundle your cell, Internet, and cable and save even more money by sticking with one company. If you are looking for a good, cheap phone plan - try TextNow they have plans from as low as $9.99.mo

18. Save on groceries

If you winced at the thought of only shopping one day a week for groceries, because you hate to plan meals, you can have someone else do the hard part and plan your meals, assemble the ingredients, and prepare them for cooking. Home Chef gives you the power of planning your meals easily. Choose your meals from their selection, once you join up. Set up a delivery schedule. They send you the ingredients and the recipes for your food. It's that simple. You'll save money and time on ingredients because each meal is proportioned correctly.

19. Visit National Parks

Yosemite, Yellowstone, The Grand Canyon, Zion, The Everglades & More

With this amazing perk, over 62s can use their age advantage to score a serious discount at America’s National Parks.

It’s time to tour Yellowstone, senior citizens, you can get an annual pass for just $20 and a lifetime pass for $80. This pass gives seniors access to all 2,000 federal recreation sites, including National Forests and grasslands. You’ll be able to visit all of America’s parks through-out your retirement.

The cost of the pass covers your entrance-fee, camping, usage fees for a driver and all passengers. You can take the grandkids camping for free whenever you like. Enjoy wildlife, gorgeous scenery and some well-earned peace and quiet.

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