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100+ deals, discounts and saving strategies for people 50 and over


Charis Rebecca Brown

If you’ve turned 50, we’ve got some great ways for you to celebrate!

You’ve officially made it to quinquagenarian status, which is a grand accomplishment. And to celebrate this big milestone, many companies offer discounts and promotions just for you. Additionally, you will receive additional tax benefits once you reach a certain age.

Here are some great ways to save from age 50 on!

Senior discounts at grocery stores

Albertsons: 10% off first Wednesday of each month ( 55 +)

American Discount Stores: 10% off every Monday (50 +)

Bi-Lo: 5% off every Wednesday (60+) verified

Compare Foods Supermarket: 10% off every Wednesday (60+)

DeCicco Family Markets: 5% off every Wednesday (60+) verified

Fred Meyer senior discount: 10% first Tuesday of each month (55+) verified

Fry’s Food Stores: 10% off on the first Wednesday of every month (55 +) verified

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Great Valu Food Store: 5% off every Tuesday (60+)

Gristedes Supermarket: 10% off every Tuesday (60+)

Harris Teeter: 5% off every Thursday (60+) verified

Hy-Vee: Says “Yes” (but discount policy varies by locale) verified

Kroger: 10% off (date varies by location) verified

Morton Williams Supermarket: 5% off every Tuesday (60+)

New Seasons: 10% off every Wednesday most items (65+), 10% off every Tuesday for militaryverified

Publix: 5% off every Wednesday ONLY in Tennessee, North Carolina and the northern portions of Alabama, South Carolina and Georgia (60 +) verified

Rogers Marketplace: 5% off every Thursday (60+)

Uncle Guiseppe’s Marketplace: 5% off (62+ on Wednesdays)

2016 restaurant discounts for seniors

Applebee’s: 10-15% off (varies by location) MAY require Golden Apple Card (60+) verified


Arby’s: 10% off – also reports of a free drink (55+) varies by location


A&W All American Food: 10% Senior discount varies by location verified


Backyard Burger: free drink with purchase


Ben & Jerry’s: 10% off for seniors (60+) varies by location verified


Bennigan’s: discount varies by location (60+)


Bob’s Big Boy: discount varies by location (60+)


Bonefish Grill: AARP members 15% off verified


Boston Market: discount varies by location (65+)


Burger King: 10% off (60+) plus additional discounts on coffee and soft drinks


Bubba Gump Shrimp Co: 10% off for AARP Members, 10% military discount verified


Captain D’s Seafood: “Happy Wednesday Offer” choice of 8 meals + drink for $4.99 or less- varies by loc. (62+) verified


Carrabba’s Italian Grill: 15% off entire meal for AARP Members- not valid at Kirby and Woodway locations in Houston, TX verified


Carrows Restaurants: Golden 55 Menu: offers discounted breakfast, lunch & dinner (55+)verified


Chili’s: From the Chili’s website: “There is not a single brand-wide policy regarding these discounts; offers vary by location.  Please contact the restaurant directly for information on its individual senior citizen, military and/or uniformed officer discounts.” verified


Chart House: 10% off for AARP members only verified


CiCi’s Pizza: From website “Many of our stores do offer (senior) discounts” varies by locationverified


Claim Jumper: 10% off for AARP members verified


Corky’s Homestyle Kitchen & Bakery: Offers special senior menu AND a Senior’s Frequent Diner Card (buy 9 get 1 free) (55+) verified


Country Kitchen: Great Senior Menu (55+) verified


Culvers: 10% off senior discount (60+)


Dairy Queen: 10% off for seniors (15% for coaches) varies by location (free small drink at some locations)


Denny’s: Senior discount varies by location, 15% off for AARP members (55+) verified


Dunkin’ Donuts:  AARP members receive a free donut with the purchase of a large or XL coffee (at participating restaurants) verified


Einstein’s Bagels: 10% off (60+)


El Pollo Loco: 10% senior discount (60+), 15% military discount verified


Fazoli’s: Join “Club 62” for special senior menu items (62+) verified


Friendly’s Restaurants: 10% off meal w/ free coffee at breakfast or free small sunday during non-breakfast hours verified


Fuddrucker’s: 10% off any senior platter (55+)


Gatti’s Pizza: 10% off (60+)


Golden Corral: Senior discount varies by location verified


Hardee’s: $0.33 beverages everyday -also reports of 10% off (52+)


IHOP: Great discounts on senior menu items (55+) verified


Jack in the Box: up to 20% off (55+)


Kagle’s Barbecue: 10% off (50+)


KFC: Free small drink with any meal (55+)


Krispy Kreme: 10% off (50+) (age and discount varies depending on location)


Long John Silver’s: Various discounts at locations (55+)


McDonald’s: discounts on coffee everyday (55+)


Mrs. Fields: 10% off at participating locations (60+)


Outback Steakhouse: 15% off AARP members for meals (alcohol excluded) verified


Old Country Buffet: Daily discounts for seniors (55+) verified


Papa John’s: 25% off (55+) for online orders. Enter the code “AARP25” when placing your order. AMAC members receive 25% off, enter code “25SAVE” verified


Perkins Restaurants: Fifty-Five Plus menu offers special deals (55+) verified


Ponderosa Steak Houses: Senior Discounts Vary- Senior menu available (60+)


Shoney’s of Knoxville: Join the Shoney’s “Golden Age Club” for 10% off (60+) verified


Sizzler: Offers “Honored Guest Menu” (60+) varies by location verified


Sonic: 10% off or free beverage (60+) varies by location


Steak ‘n Shake: 10% off every Monday & Tuesday (50+)


Subway: 10% off (60+) varies by location verified


Sweet Tomatoes: Senior Meal deals Mon-Thu 2-5pm $7.99 all u can eat incl. fountain bev. and/or coffee. All other times 10% off (60+) verified


Souplantation: Senior Meal deals Mon-Thu 2-5pm $7.99 all u can eat incl. fountain bev. and/or coffee. All other times 10% off (60+) verified


Taco Bell: 5% off; free beverages for seniors (65+)


TCBY: 10% off (55+)


Tea Room Cafe: 10% off for seniors (50+)


The Old Spaghetti Factory: Spaghetti Factory “Senior Menu” offers discounted list of menu items verified


Traditions Restaurant (East TX): Senior platter meal for $4.71 (50+) verified


Uno Pizzaria & Grill: “Double Nickel Club” 25% off on Wednesday (55+) verified


Village Inn: 10% off (60+)


Waffle House: 10% off every Monday (60+)


Wendy’s: Senior age and special offer will vary depending on the restaurant location. Please ask the restaurant for details. verified


Whataburger: Free drink w/ purchase of a meal- varies by loc. (55+)


White Castle: 10% off (62+)

Senior discounts on retail & apparel

Banana Republic: 10% off (62+ in USA, 65+ in Canada) verified


Bealls Outlet: 15% off on every Tuesday (50+ or “fifty & fabulous” as customer service told me)  verified


Belk: Senior Day is the first Tuesday of every month. 20% off with Belk charge card (15% Home/Shoes) or 15% with any other tender (10% Home/Shoes). (62+) verified


Bon-Ton Department Stores: 10-15% off on senior discount days – will be noted in their newsletters (via email) verified


Christopher & Banks | C.J. Banks: No senior discount offered at this time. verified


Clarks Shoes: 10% off (62+)


Dress Barn: 10% off Tues and/or Wed (varies by location 62+) verified


Goodwill: 10% off one day a week (date varies by location)


Hallmark: No senior discounts at this time. verified


Kohl’s: 15% off on Wednesdays (55+) verified


Marshalls: No senior discount offered (TJ Maxx testing a senior discount in FL only) verified


Michael’s: Senior discounts vary at the physical store locations so call ahead. verified


Modell’s Sporting Goods: 10% off


Office Depot: AMAC members 10% office products verified


Office Max: AMAC members 10% office products verified


Peebles: 20% off with 50+ card on Tuesdays (50+)


Rite Aid: 20% off the first Wednesday of the month (must have Rite Aid shopping card – 65+)verified


Ross Stores: 10% off every Tuesday (55+) verified


The Salvation Army Thrift Stores: Up to 50% off (55+)


SteinMart: 20% off items every Monday (55+) verified


TJ Maxx: 10% on Tuesdays (FLORIDA only at this time) verified


UPS: AARP members 15% off products and services, 5% off shipping. AMAC members receive a variety of shipping discounts as well. verified


Walgreens: “Senior Day” is the first Tuesday of the month. 20% off (55+ and AARP) verified

Tax savings over 50

These tax-saving strategies can make saving a little easier as you near retirement.

IRA deduction: If you’re 50 and over, you can contribute an additional $1,000 to an IRA!

401(k) catch-up contributions: If you’re working and 50 or over, you contribute an additional $6,000 tax-deferred to a 401(k).

No early withdrawal penalty for IRA accounts: Once you turn age 59 1/2, you can withdraw money from an IRA for any reason without incurring the 10 percent tax. Income tax will be due on withdrawals from traditional retirement accounts at any age, however.

Bigger standard deduction: In 2016, the standard deduction is $7,850, which is $1,550 more, and for married couples the standard deduction increases to $15,100 for married couples age 65 or older.

Higher tax filing threshold: The threshold for being required to file a tax return increases to $11,850 ($23,100 for couples) age 65 and older.

Property tax breaks: You may qualify for property or school tax deferrals or exemptions, depending on where you live and your age and income.

Tax on required minimum distributions: Since after age 70 1/2 you are generally required to withdrawal money from traditional retirement accounts and pay the tax or pay a penalty, if you don’t need the money, why not give it to charity? If you are retired and at least age 70 1/2, you can transfer any amount up to $100,000 from an IRA to a qualified charity and avoid income tax on the contribution. If you would give a certain amount to a charity anyway, this is one great way to avoid the tax!

HSA contributions: You can transfer $1,000 more a year (a total of $4,350) to a health savings account once you reach age 55 on a high-deductible health plan.

Medical expenses: A taxpayer who is under 65 can deduct medical expenses exceeding 10% of their AGI, but once you reach age 65, this threshold decreases to 7.5%. Plus, if you are married, if only one of you is over 65, you both get to use this deduction.

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