Many Americans are financially unprepared for retirement. According to the Economic Policy Institute’s latest
study, nearly 50 percent of working-age families have nothing saved in retirement accounts, and the median amount for the rest is only $5,000. Whether this describes your personal financial situation or not, it makes sense to save money where you can. For those over the age of 55, senior discounts are one way to do so.

  1. Ask about senior discounts when shopping for clothing.

Kohl’s offers seniors age 55 and up a 15 percent discount on their purchases every Wednesday. Ross Stores offer seniors a 10 percent discount on Tuesdays. TJ Maxx, Goodwill and Salvation Army Thrift Stores also have senior discount days during the week.

  1. Ask about senior discounts at the gym.

Regular exercise can improve your immune system and cardiovascular function as well as help you maintain bone density and lower your risk of diabetes and dementia. SilverSneakers is a no-cost fitness benefit—providing access to fitness classes and equipment at more than 13,000 gym locations across the U.S.—available to seniors with Medicare and some other group health plans.

  1. Ask your utility companies about senior discounts.

Some utility providers offer discounted rates for senior customers based on age and income. Contact your gas, electric, water, sewer, phone, cable and Internet providers to find out if discounts are available and what you need to do to be eligible.

  1. Ask about senior discounts at the movie theater.

Most big movie theater chains offer senior discounts. For example, visit an AMC Theatre and you can get 30 percent off your ticket price every day. Regal Cinemas offer a 30 percent discount to seniors as well. Some Cinemark and Century Theaters extend 35 percent off to seniors.

  1. Ask about senior discounts at any National Park.

Whether you prefer to enjoy the great outdoors from the comfort of your car or like to hike, fish or camp, you can purchase a Senior Pass from the National Park Service for $10. You must be 62 years old or older, but the pass is good for the remainder of your lifetime at any federal recreation site or national park. At some locations, you’ll receive a 50 percent discount on amenity fees charged for facilities and services as well.

  1. Ask about senior discounts at the grocery store.

Stock your refrigerator on the first Wednesday of the month and you’ll receive 10 percent off from Kroger if you’re at least 60 years old. Publix offers 5 percent off to seniors 60 and older every Wednesday.

  1. Ask about senior discounts when traveling.

Many seniors choose to spend their golden years traveling, and they can save money while doing so. Most cruise lines offer discount rates to travelers who are 55 years old and older. If you prefer to journey by train, Amtrak offers seniors 62 years old and older a 15 percent discount. You can also find discounts on bus and plane travel.