Ask for Senior Discounts and How to Do It
Make a short list of places you frequently visit (grocery, pharmacy, restaurant, retail store, local attractions).
Call or ask in person before you go: “Hi — do you offer a senior discount for customers 55+ or 60+?”
Script: “Hello, I’m planning a visit — do you have a senior discount or a senior day? If so, what day and what ID do you need?”
Write down the answer (who to ask, which day, percent off, if ID is required).
If they do offer it, remind the cashier at checkout: “I’m eligible for the senior discount — can you apply that?”
Share results with other readers — crowdsourced savings: if one branch honors it, others might too.
Use Digital Coupons & Apps
Pick one coupon app to start (examples: store app + a general coupon tool).
Download the app from your phone’s App Store (ask a family member to help if needed).
Create an account using your email. Use a simple, memorable password and store it in your notebook.
Link your store loyalty cards inside the app (or add the phone number used at checkout).
When shopping, open the app and tap the coupon or barcode for the cashier to scan.
Tip: Save the app icon on your home screen for quick access.
Buy Store Brands — Simple Comparison Method
Next shopping trip, pick 1–2 everyday items you normally buy (cereal, soup, dish soap).
Compare prices on the shelf: look at the unit price (price per ounce / per count) — usually shown on the price strip.
Try the store brand version once. If you like it, swap permanently for an easy 10–40% savings.
Cut Energy & Utility Costs — Easy home fixes
Unplug small electronics: keep a power strip for chargers/TV accessories and switch it off when not in use.
Replace bulbs: buy LED bulbs for lamps and overhead lights — replace one room at a time.
Call your utility: say, “Do you offer budget billing, senior discounts, or energy-saving programs?” Write down options.
Set thermostat a degree or two lower/higher (winter/summer) — try a programmable schedule.
Check for local energy rebates (ask the utility or your city’s website) — they often help pay for insulation or efficient appliances.
Cancel Unused Subscriptions — Step-by-step audit
Gather bank and credit card statements for the last 2 months.
Make a list of recurring charges (streaming, magazine, apps, gyms).
Ask yourself: “Do I use this monthly?” If not, mark it to cancel.
Log in to the service website/account and find “Billing,” then choose “Cancel subscription.”
If you can’t find it, call customer service and say: “I’d like to cancel my subscription — can you help?”
Note cancellation confirmation emails and save them (screenshot or print).
Repeat quarterly to keep only what you use.
Share Streaming & Save on Tech
Identify platforms with family plans (usually allow multiple users).
Discuss sharing with family: split the cost with a grown child or sibling and add them to the plan.
Set up profiles so everyone keeps their own queue and recommendations.
Meal Planning & Batch Cooking — Save time and money
Plan 3-4 meals for the week using sale items from the grocery ad.
Make a shopping list grouped by store sections — stick to the list.
Cook in batches: Prepare double portions and freeze individual servings (label with date and contents).
Use leftovers smartly: turn roasted chicken into soup or salad the next day.
Try a local meal program: call your senior center or Area Agency on Aging to ask about Meals on Wheels or community lunches.
Grocery Loyalty & Price Matching
Sign up for the store’s loyalty card online or at customer service.
Clip digital coupons in the store app before shopping.
If you find a lower price elsewhere, ask customer service about price matching — script: “I saw this cheaper at [store name]. Do you match prices?”
Use consistent stores where you get the most rewards.
Drive Smarter & Lower Car Costs
Combine errands into one trip to save gas. Map your stops to avoid backtracking.
Check tire pressure monthly: there’s a sticker inside your driver’s door with the recommended psi. Buy an inexpensive gauge or ask at the gas station.
Ask your insurer: call and say, “Do you offer a low-mileage or senior discount?” Keep notes of the rep’s name.
Drive gently — avoid rapid acceleration and maintain steady highway speeds to improve fuel economy.
Automate Savings & Money Management
Open a savings account (if you don’t have one) — choose a local credit union or online bank with no fees.
Set up an automatic transfer (even $25/week) from checking to savings the day after your regular income arrives.
Script for bank call/online: “Please set up an automatic transfer of $XX from my checking to savings on the Xth of every month.”
Use a budgeting app (Mint, EveryDollar, or a simple spreadsheet). Start by entering your monthly income and fixed expenses.
Review your budget monthly — mark one small amount to increase savings if possible.
Use Cash-Back & Reward Programs (safely)
Choose one cash-back card with no annual fee and benefits for groceries/gas.
Use it for recurring purchases, then pay it off each month to avoid interest.
Link cash-back apps (if comfortable) and check receipts for bonus offers.
Find Local Help & Programs
Call your Area Agency on Aging (search or ask your city hall) and ask: “What benefits, meal programs, transportation, or financial counseling do you offer for people 55+?”
Visit your local senior center: take a tour and ask to join activities — many are free or low cost.
Check benefits sites like BenefitsCheckUp (or ask the agency rep) to see if you’re eligible for assistance.
Protect Yourself from Scams
Never give personal information (SSN, bank details) over unsolicited calls.
Before you act on an offer, ask for it in writing and call the company back using a phone number from their official website.
If in doubt, ask a trusted family member or contact your local consumer protection office.
With care,
Mike Bridges
Founder, The O55 Report