Is Raising a Family Draining Your Wallet? See How Parents Over 40 Are Managing

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You’ve worked hard for decades and deserve to enjoy your golden years without worrying about the grocery bill. With food prices climbing faster than Social Security adjustments, it’s time to learn the insider strategies that help seniors save $100-300 monthly on groceries.

Here at Dollarperk, we’ve done the homework, gathering the best tips, tools, and strategies specifically for mature adults who want to shop smarter and save bigger. From senior discounts you didn’t know existed to apps that give you cash back on every purchase, we’ll show you how to make your retirement dollars stretch further.

So grab your shopping list and get ready to transform your grocery habits—because saving money on food means more money for the things you truly enjoy in retirement!

1. Make sure your dollars don’t go to waste

Focus on food costs: Use apps like Ibotta, Fetch Rewards, or Upside to get rebates and discounts on groceries.

Buy in bulk at stores like Costco or Sam’s Club for snacks, lunch items, and pantry staples.

Rethink Your Monthly Budget: Use free budgeting apps like Monarch or RocketMoney (You Need A Budget) to track spending and identify savings opportunities.

Second hand shopping: Shop at thrift stores like Once Upon a Child, ThredUp, or Goodwill for gently used clothing. Use Facebook Marketplace, eBay or Poshmark for secondhand gear.

Price comparison: Make sure you use price comparison tools like Capital One Shopping or Honey to find the best deals online on practically anything.

Shop Generic Brands: Take advantage of store brand items. Store brands often offer similar quality to name brands but at significantly lower prices. Compare ingredient labels to confirm.

2. Ohio seniors save up to $1025 on car insurance

You might not even realize it, but your car insurance company is probably overcharging you. In fact, they’re kind of counting on you not noticing. Luckily, this problem is easy to fix. 

This company called Insurify shows you all your options at once — seniors who do this save up to $1,025 per year.

Here’s how to quickly qualify:

• Click the link below and start by inserting your zip code 
• Answer a few questions about your car
• Choose the best offer and lock in your rate 

Find out how much you can save on your auto insurance

3. Borrow from your home equity with this new program

You can now tap into the equity you’ve worked hard to build in your home, without any hassle or expensive fees, whether you are tackling short term debt or looking to make home improvements. 

That’s right, with LendingTree’s New Program, seniors can unlock equity funds without affecting their mortgages. It works more like a credit card — giving you access to funds when you need them and letting you pay back only what you use.

Get started with these easy steps:

• Check out LendingTree’s HELOC calculator
• Tell them a bit about your home
• Lock in your rate today

700+ Credit Score: Calculate how much you’re eligible to access today

4. Have a plan and stick with it

Sign up for the loyalty program: Most grocery stores offer loyalty programs that are free to join. By signing up, you can benefit from member-only discounts that automatically deduct at checkout — without the need to clip coupons.

Clip Coupons: After you’ve signed up for your favorite grocery store’s loyalty program, maximize your savings by clipping coupons for additional discounts.

Avoid Pre-Packaged Items: While buying pre-cut veggies or pre-shredded cheese can save you time while cooking, stores often charge more for the convenience. 

Have a list: If you go to the supermarket without a list, it can be easy to grab things that aren’t needed.

Shop Discount Stores & Outlets: Stores like Aldi and Lidl prioritize affordability without sacrificing quality, often beating standard supermarket prices. Additionally, outlets like Grocery Outlet & Misfit Markets sell overstocked or nearly expired items at steep discounts.

5. Stop overpaying when you shop online (Amazon too!)

You might be surprised how often you’re overpaying on Amazon and anywhere else shopping online.

Forget multiple tabs and browsing windows searching for a better deal yourself, let Capital One Shopping do the work for you – it’s genius.

Here is how it works:

• The app will search for any available coupons around the web and automatically applies them to your cart at checkout
• It looks for better prices on items you are searching for – notifying you if a better deal was found elsewhere
• You don’t have to be a Capital One customer to use the app

Simply download the app and add it to your browser, then shop as usual and thank us later.

Download Capital One Shopping and stop overpaying online.

6. Stop paying out of pocket for vet bills

You protect your home, your car, and your health — because it saves you from massive, unexpected costs. So why not do the same for your pet?

Wag’s Policy Comparison Tool helps consolidate the best coverage plans for your pet and protect you from expensive vet bills due to unexpected accidents, illness, or emergency care — the kind that can run you thousands out of nowhere. 

Having insurance for your pet is no different than having insurance for yourself, it would save you serious money and avoid the stress of having to choose between your pet’s health and your budget.

For just a few bucks a month, you can protect the animal that protects your heart.

Click here to find the perfect policy for your pet

7. Earn up to a $300 bonus and grow your money with up to 3.80% APY

We hate to tell you this, really. But if you aren’t banking with SoFi®, you’re missing out on extra cash. Don’t worry though … it’s easy to fix.

You can earn up to a $300 bonus when you open a SoFi Checking and Savings account and make an eligible direct deposit within the first 25 calendar days of the promotional period. Eligible direct deposits totaling $5,000 or more can unlock the $300 bonus.

Plus, you can grow your money with up to 3.80% APY4and enjoy other perks like no monthly account fees,no-fee overdraft coverage,accessing your paycheck up to 2 days early,and up to $3 million of additional FDIC insurance.8

Also, you could take advantage of a limited-time offer: +0.70% Boost on Savings APY to up to 4.50% for up to 6 months on new accounts with eligible Direct Deposit. Terms apply.9

This is practically passive income and a great way to supercharge your earnings.

Open your new SoFi Checking and Savings account here

8. Pay attention to the fine print

Price Per Unit: Take note of how much you’re getting for your money. The price per unit (ounce, pound, gram, etc.) of different packages is often printed on the pricing display near the product.

Use Credit Cards Strategically: Check your credit cards to see if you can earn cash back or other rewards when grocery shopping. You’ll need to track details like spending caps, possible annual fees and rotating categories.

Shop The New Sales Day: For many grocery stores, the new sales day is Wednesday, but this isn’t a universal law (my local market starts new sales on Thursdays). So, check the sales flyers or go online to learn which day your go-to grocery store’s new sales day falls on.

9. Ohio residents could save a fortune on new windows

Old windows drive up your home’s electric bill. But if you live in Ohio and your windows are 5+ years old, you could save $1,000s. 

WindowsUSA is actively helping homeowners score huge savings on new windows. They bring top local vendors into a bidding war for your business, providing the best deals without sacrificing quality. This can drive the cost down for you by orders of magnitude.

Slash the cost of new windows by tapping into hidden rebates, unlisted discounts, and local incentives most homeowners don’t even know exist.

You might be eligible if you check these 3 boxes:

• Own your home
• Have windows that are 5+ years old
• Live in an eligible zip code

Complete this short questionnaire to see if you qualify

10. This credit card debt relief program eliminates 40-60% of what you owe

If credit card payments are destroying your retirement, you’re not alone. This IRS-approved debt relief program has eliminated $5+ billion in senior debt

Freedom Debt Relief negotiates directly with your creditors to slash 40-60% of your total balance. You pay the reduced amount over 12-48 months, then you’re free. No bankruptcy needed.

Here is how to qualify:

• $15,000+ in credit card debt
• Struggling with monthly payments
• Over the age of 50

Take this short questionnaire to find out if you’re eligible for debt relief today!

11. Restaurants & Meal Delivery: Take advantage of massive discounts at restaurants (you don’t even have to be 50 to join!)

Saving money doesn’t need to be so hard. Join AARP today — because if you’re not a member you could be missing out on huge perks. When you start your membership today, you can get discounts on:

• Restaurants (save up to $450 per year!)
• Meal deliveries
• Airfare, Hotels, Cruises and Rental Cars
• Eyeglasses and even prescriptions that aren’t covered by insurance

Plus you’ll also get insider info on social security, job listings, caregiving, and retirement planning.

How to become a member today:

• Click the link below, select your free gift, and click “Join Today”
• Create your account (important!) by answering a few simple questions
• Start enjoying your discounts and perks!

Get 25% off your AARP membership, making it just $15 the first year with auto-renewal

12. Don’t let unexpected auto repairs drain your wallet

Car breakdown happen, will you be prepared? Without coverage, a single fix could drain your monthly income stream.

With hundreds of millions in paid claims since 2012 and thousands of 5-star reviews, Endurance offers top-rated service and helps drivers like you save thousands in unexpected auto repairs.

Their monthly plans are flexible and affordable, with now offering $300 off on any plan as well as one year free elite perks like 24/7 roadside assistance, tire coverage and more.

Get the right plan for your with a few easy steps:

1. Answer a few question about your car
2. Generate your personalized protection plan with $300 off
3. Pick your plan and feel confident with Endurance’s 30 day, money back guarantee.

Get your free quote from award winning protection today!

13. Homeowners can save thousands on home insurance in Columbus

Alright, friend, let’s talk about something that might be draining your wallet without you even realizing it: your home insurance. Yep, you could be paying thousands more than you need to, and the kicker? It’s totally fixable.

Too many homeowners skip this step — not realizing that they could save potentially $1,000s over the lifetime of owning their house just by switching. And yes, you can switch your home insurance at any time starting today. 

It’s totally free to check. All you need to do is answer a few simple questions about your home and let the rest do the job for you.

Enter your zip code to see if you are eligible for cheaper home insurance rates

Advertiser Disclosure

Companies mentioned in this article have not been reviewed, approved or endorsed by included advertisers. Opinions are ours alone.

 

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*Clients who are able to stay with the program and get all their debt settled realize approximate savings of 46% before fees, or 25% including our fees, over 24 to 48 months. All claims are based on enrolled debts. Not all debts are eligible for enrollment. Not all clients complete our program for various reasons, including their ability to save sufficient funds. Estimates based on prior results, which will vary based on specific circumstances. We do not guarantee that your debts will be lowered by a specific amount or percentage or that you will be debt-free within a specific period of time. We do not assume consumer debt, make monthly payments to creditors or provide tax, bankruptcy, accounting or legal advice or credit repair services. Not available in all states. Please contact a tax professional to discuss tax consequences of settlement. Please consult with a bankruptcy attorney for more information on bankruptcy. Depending on your state, we may be available to recommend a local tax professional and/or bankruptcy attorney. Read and understand all program materials prior to enrollment, including potential adverse impact on credit rating.” 

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Information about loans: Not all lenders can provide loan amounts up to the maximum amount that is advertised. The maximum amount you may borrow from any lender is determined by the lender based on its own policies, which can vary, and on your creditworthiness. The time to receive loan proceeds varies among lenders, and in some circumstances faxing of loan request form materials and other documents may be required. Submitting your information online does not guarantee that you will be approved for a loan.

Every lender has its own terms and conditions and renewal policy, which may differ from lender to lender. You should review your lender’s terms and renewal policy before signing the loan agreement. Late payments of loans may result in additional fees or collection activities, or both.

By using this website or services, you represent and warrant that you are at least 18 years old, that you are a resident of the United States, and that you are not a resident of any state where the loan you are applying for is illegal.