AARP Rewards Online Community Smart Saver Contest

Remember to ASK for Senior Discounts as they are available only upon request at several Retailers including restaurants and travel. There are hundreds of them that offer discounts that vary by age limits and discount offers. Some offer free drinks like coffee. Be sure to ask next time you go out!

 I use discount coupons at grocery store, wait for discount coupons from LL Bean, and decide it is not the right time yet to go into debt for a new vehicle as mine is still usable. 

Be wary of overconfidence bias. Unless you posses a high investment talent, avoid investing in individual stocks and instead focus on a broad market index.  With individual stocks, you must be able to withstand greater volatility and know when to get out - something not necessary when investing in broad indexes!

Every Sunday, I empty all the spare change and $1 bills from my purse into a box. At the end of the month, I count whatever has accumulated—whether it's a little or a lot—and deposit it directly into my savings.

The AARP Rewards program is a great source of what I consider to be "free money" when it comes to giftcards. Redeeming points for gift cards is truly a free option (aside from the time spent accumulating the points). But you can also get some great deals (up to 20%) off of gift cards for purchase. The key I have learned is only to buy (discounted) gift cards for places you already shop (and will be spending money anyway). Otherwise, you may be chasing a good deal and actually spending money you wouldn't otherwise be spending.

Make a grocery list, in the order in which you'll find things in the store, and ONLY buy things on the list.  This helps to avoid going back and around in the store being tempted by something that "looks fun" and also helps prevent impulse purchases.  I've practice this for years and find it especially now that food cost are going sky-high.

I save money with grocery shopping with my sister that lives nearby. We take advantage of sales that require multiple item purchase or coupons that can be used for multiple items by sharing a purchase. One of us will make the purchase on the specifics and they we 'settle up' after the purchase. Most times we break even between us.  This also saves us gas by only taking one car to the grocery and then we also have help when unloading the car at home. It also gives us time to catch-up with conversations and actually see each other and how they move as a 'wellfare check-up'. Sometimes it's even a venting session for issues with a spouse or other family member.

Using coupons when available and comparing prices at various stores always seems to help.

We deposit money through electronic transfer to a money market account at our credit union, but to withdraw money, our rule is, we need to physically go to the credit union. This means we will have to really want to spend the money for the effort it will take to get the funds.

If I get a $5 bill for change when I pay cash I keep it and then see how many I have at the end of year. They really add up.