One secret to saving big is to go hunting for bargains or discounts. Discounts on products and services are a huge hit for people of all ages and backgrounds. There are specific discounts or offers that are dedicated exclusively to seniors plus offers and discount offers that are available across all adult age groups, regardless of whether you’re a senior or not.
It’s fair to say if you’re in the know about where to get the discounts, you can save big on pretty much everything. Whether you’re looking to save on health care, car & home insurance, benefit from debt relief programs to get out of debt without filing for bankruptcy, negotiate a better rate on mortgage and much more – there are plenty of discounts available in the market – so long as you know where to look!
The problem is you probably don’t have time to search high and low to research for bargains online. To help you on your quest for discount glory, we’ve compiled the best discounts and deals on products & services for 2018. By taking advantage of a few of these amazing discounts, you can save thousands of dollars a year.
For most of the deals and offers, you’ll need to meet some minimum requirements to qualify and we’ve provided direct links to the offers and promos to save you the time spent hunting for them.
1. Approach and Negotiate a Better Mortgage Rate with HARP Lenders
Do you have a mortgage you’re financing currently? Servicing a mortgage can be tough but if you approach HARP Lenders and negotiate a better rate you stand to save a bucket of cash this year. Originally scheduled to end in September 2016, the Harp Government Program has been extended throughout 2018. Homeowner can take advantage of this amazing mortgage rate discount and save a substantial amount of cash.
If you owe as much or more than your home’s worth, it can be hard to refinance your mortgage. The requirements for this program are simple provided you’re current on your mortgage payment and have little or zero equity in your home, then you can benefit from the Home Affordable Refinance Program (HARP).
Further, if your loan is owed by Freddie Mac and Fannie Mae, the chances are high you could save up to $2,400 a year on with HARP. Check if you meet the basic eligibility requirements on the official HARP site to find out more info on seeking approval.
2. Cover Unexpected Repair Costs with a Home Warranty
Home appliances and systems inevitably get issues when you least expect them to and if you’re short on funds you might need to get a loan on unfavorable terms or schedule the repair for another day when you have the money.
Some appliances and systems are pretty important and if it’s your hot water system or oven for example it’s a tough ask to go a day without using them. Imagine having a faulty heating system during winter? How about the air conditioner or thermostat failing during the height of summer? The thought of spending another second inside your home would make you sick.
Total Home Protection has an irresistible warranty plan that offers amazing discounts for homeowners with home appliances and systems that need to be firing on all cylinders. For as low as 1 dollar, your home is protected, so you’ll never have to worry about financing costly repair.
In the plan, you get the FIRST MONTH FREE + 50% off. Purchase your warranty today and never have to pay for costly repairs on appliances.
3. Get Paid for Sharing Your Opinion
Did you know your opinion could make a difference in the way companies develop products and services? Better yet, you can even get paid for sharing your opinion regarding those products and services and add some much needed cash to your hop pocket.
If you’re looking for some additional income without having to go out of your way simply Sign up on Survey Junkie. The process for Survey Junkie is simple participants share their opinion and help brands develop better products and services while at the same time making some extra cash.
Once you’ve created your profile the team at Survey Junkie match your profile to surveys. Then you’ll need to complete interesting and thought-provoking surveys that’ll earn you virtual points. You can decide to redeem those points for PayPal or popular e-Card gifts.
4. Discounted Screening for Stroke & Heart Disease
The statistic from American Heart Association: 80% of strokes and heart disease can be prevented. A screening for heart disease and stroke risk from Life Line Screening can provide you with peace of mind or early detection. Early detection gives you an opportunity to catch potential problems early so you can take action and do something about it.
Life Line Screening has screened more than 8 million people and use innovative ultrasound technology in their screening process to ensure an easy, painless and non-invasive screening. Trained and professional screening staff can help to detect plaque build-up or blockage, which are catalysts for stroke and heart disease.
The regular price for all the screenings is $330 however for savvy discount loving readers Life Line Screening is offering the entire screening at a discounted and affordable price of only $149. If you are 50 years or older, Schedule Your Screening for Stroke & Heart Disease now at a greatly discounted price, get peace of mind or early detection.
5. Take a Stab at the VA Housing Benefits and Save
Are you a veteran or live with a veteran? Good news – the government has decided to continue the VA housing benefits and in 2018 the VA Loan Program aims to get more veterans to benefit from VA loans. Current VA loan customers also have the opportunity to benefit from even lower rates of interest rates on existing loans.
There’s no cap on the amount of loan veterans can borrow to finance your home. It’s important to be aware for discount seekers that here are limits on the amount of liability VA can assume, which will impact the amount an institution will be willing to lend you.
* Ellie Mae, a popular mortgage industry software package has crunched the numbers and found that VA Mortgage loans are better than the market rates by three-eighths or more of a percentage point. Another great reason to get in touch and take advantage of amazing discounts for veterans.
Want to know if you qualify for Veteran Housing Benefits? Take the VA Benefits Survey now, finance your home with an affordable loan today and save big on interest repayments.
6. Save On Car Insurance
Insurance premiums are always on the increase , which takes a toll on most car owners. In fact, thanks to the huge cost of car insurance, some drivers are tempted to drive without insurance, a massive risk for anyone on the road and behind the wheel. If your monthly insurance premiums are too high and you’re looking for a cheaper insurance rate Liberty Mutual Insurance will help you find an affordable deal on car insurance costing as little as $27 a month. More than 5 million people have saved an average of $509 per year on car insurance premiums thanks to Liberty Mutual Insurance and you can grab savings too! View quotes from hundreds of top insurance companies, save time and save cash on the best car insurance policy and save as much as 50% on your monthly car insurance premiums.
7. Find Out If You Qualify for National Debt Relief1
Most people can relate to being in debt. Debt means much more than just owing your creditors, it delays and jeopardizes all your life plans. Debt is a never ending spiral and if you’ve ever experienced debt you’ll be aware of the black hole being in debt can bring..Fortunately, if you qualify, you can get some relief thanks to The National Debt Relief. This helpful program was designed to help individuals get out of debt without the need for filing for bankruptcy.The program can help participants save an estimated 50% excluding fees on their debts, if you stick around and get your debts settled. By taking part in the debt program, customers can settle debts and save 30% within a short span of 24 to 48 months. Ready to slash the cost of your debt? Apply for National Debt Relief, give yourself the peace of mind and save.
8. Arm Yourself with Medicare Supplement Plan
Despite the benefits Medicare has brought us, the out-of-pocket payments associated with the program can still be overwhelming. Medicare-related insurance products have been designed to help those who still feel the cost of accessing traditional Medicare and help save money on medical care that isn’t covered in the basic Medicare offering.
It goes without saying that Medicare doesn’t cover everything and supplement health plans are designed to pay for the things not included in the traditional Medicare, which could wind up costing a substantial amount of money.
Applying for a Medicare Supplement Plans can be a confusing and painstaking process. If you’re looking for quality information on supplement plans the team from Medicare Providers are committed to providing consumer information you can trust. Find Medicare Supplement Plans here, compare and SAVE money & time.
9. Secure the Future of Your Family with an Affordable Life Insurance Plan
As a parent, you want a secure future for you and your family. With life insurance, you can be sure your medical bills are covered should one of your family members fall ill.
If you want to ensure your family is securely covered by life insurance you’re going to need an affordable plan that covers the essentials without costing the earth.
The Life Insurance.net team have the most affordable & reliable insurance plans. Plans offer coverage from a little as $5K-$1M. And the deal on Life Insurance Plans gets even sweeter with no medical check-ups required and guaranteed acceptance into their plans plus the best-priced plans with a 30-money back guarantee.
10. Save Cash While Settling Your Debt
Debt can be something you can fall into rather quickly if you’re not careful. Initially, the debt starts small and manageable, but then it starts to accumulate, and before long, it’s out of control.
Accredited Debt relief is here to help you get out of debt without bankruptcy while saving cash to help you get back on your feet. They’re BBB+ accredited and an AFCC accredited member for ethical standards.
Accredited Debt negotiates with your creditors to help you save cash and pull yourself out of the debt spiral. Plus, if you join the Accredited Debt Relief program and make your monthly payments on time, you’ll end up paying 50% of the total loan before fees. With the fees included, you’ll pay 68-75 percent of the loan balance in 24 to 48 months, saving more than 15% off your original balance!
11. Need Cash? Consider Reverse Mortgage for A Tax-Free Loan
Need to free up some extra cash? If you’re a senior homeowner, you ought to enjoy the benefits with a reverse mortgage. A reverse mortgage is a loan aimed at senior homeowners that allows you to access part of your home equity so your home serves as the collateral for the loan.
Usually, reverse mortgage loans don’t have to be repaid until the last surviving homeowner permanently moves out of the home or dies. Upon permanently vacating the home or passing away, the estate has up to 6 months to clear the reverse mortgage loan or sell the home to repay the amount of money owed.
So, if you’re senior or a retiree over 62+ years, have a home with equity and meet the minimum age requirements, you should consider a reverse mortgage so you can have some extra cash.
Do you own a home with equity and would like some cash to help cover a couple of your daily expenses? Advisors American Group can help you convert your home equity into tax-free cash. Get your Reverse Mortgage Info Kit to learn more.
12. Save on Customized, Affordable & Quality Hearing Aids
Do you struggle with muffled voices and have trouble hearing? It’s possible you’re experiencing hearing loss if you’re always complaining that others are mumbling.
Audicus offers a clear solution for your hearing loss and source their products directly from the manufacturers, saving you lots off the cost of hearing aids. If you’re looking for customized, top-of-the-line and affordable hearing aids, look no further than Audicus.
To get your hands on your hearing aid, there’s a simple process. First, submit a copy of a recent hearing test or even take an online free test offered on the site. Second, hearing experts will advise on the hearing aids best for your level of hearing loss as well as lifestyle. Third, get your customized hearing aids shipped directly to you in about a week.
Request a consultation with the hearing experts at Audicus and get quality hearing aids at an impressive price.
13. Get Your Home Insured for Less & Save
Your home is one of the best investments you will ever make, so it makes sense to ensure that your dwelling and property are protected. When it comes to home insurance, it is important to have comprehensive coverage to prevent homeowners from incurring unexpected costs on things such as repairs and replacing items that were destroyed or stolen.
What happens if a visitor is injured in your home or rental houses and you get sued? Expenses could include attorney fees, medical fees, and compensation for pain and suffering. Depending on your coverage, your home insurance policy may cover these types of expenses, so you have the peace of mind that you’re protected.
Are you paying too much for your home or renters insurance policy? Home Insurance Connect provides customers the ability to compare affordable home insurance plans online. Get Free Online Quotes, compare plans, and stay covered.
14. Invest In High-Return Annuities and Safe-Guard Your Retirement Days
Approaching retirement can be daunting. While the thought of retirement should make you happy, often the prospect of retirement and ensuring you have enough funds to live on in your twilight years can be stressful.
When it comes to getting the most amount of funds for your retirement you’ll probably come across many investment ideas, most of these carry tremendous risks and when you are retiring you don’t want to take a gamble on your retirement fund.
If you want a low-risk and guaranteed return investment, annuities are the way to go. The best part of the investment is, you can start investing right away irrespective of whether you’ll retire in 5 years or 30 years.
Annuities.com provides the highest return annuities, with zero market risk, and from the best companies for a guaranteed safe income for the rest of your life. Get free annuity rates from A+ companies offering the highest rates in 2018 and live big during your retirement.
15. Grab a Complete Security System For FREE*
Reports from the FBI Uniform Crime Reporting Program reveal that “more than 2 million burglaries occur every year, 75% of which are residential”. The National Council for Home Safety & Security points out that homes without a security system are 300% more likely to suffer a break-in.
In light of these disheartening stats, many homeowners are investing in a security system. ADT is committed to helping protect your home, and is offering every new customer ADT Home Monitored System from Protect Your Home for $0 – worth $850.
With a free security system in your home, you can save the cash to use elsewhere. Simply pay the security system installation fee of only $99 and you’ll save $850 on your security system! Get your security quote from your local Authorized Premier Provider and keep your home safe for less.
16. Save With Solar and You Could Cut Your Electricity Bill
Image source: www.bpsolarllc.com
In the US, the average home consumed 897-kilowatt hours (kWh) of electricity each month in 2017, according to the US Energy Information Administration.
Statistics show that an average business in the US consumes 6,278 kWh per month, paying an average bill of $655. Multiply the amount of energy your business consumes by the cost of energy per kWh in your state and you have your monthly bill.
As a business person, you want to cut the costs and maximize the profit margin, which is why you ought to consider installing solar panels. Inarguably, there are many contractors out there, but you can save big time if you know where to look.
Home Solar Survey connects you to pre-screened, insured and licensed contractors willing to send their quotes. And the best part is; these local contractors will be fighting for your business, meaning you can be sure to save on solar installation. Now Take A Survey to See if You Qualify for Solar Installation at the best rates.
17. Read Better & Save with Discounted Reading Glasses
Image source: www.bplusd.com
Just like with any other sign of aging, Presbyopia comes with no warning. As you age, you wake to find that you have to squint at your morning newspaper. Usually, the condition starts in your early 40’s and worsens when you’re in your 60’s.
As first, you might find it highly frustrating when you can’t see like you used to. Even if you have never needed reading glasses before, suddenly they become a crucial part of your life.
Reading glasses provide extra assistance to focus on objects at a close distance like words on a newspaper page or computer screen, but not every store you visit will offer the quality, variety of styles, or strength of lens magnification you may be looking for. And if they do, the cost is usually exaggerated.
Readers.com is running an exclusive offer on all of their best-selling reading glasses. Get 40% OFF all reading glasses orders for a limited time. Click the link to enjoy this Huge 40% Discount on All Reading Glasses and use the code “REFRESH40” during checkout to save forty percent on the regular purchase price.
18. Prepare for Emergencies with Affordable & Reliable Insurance Plans
In 2017, 34% of American households experienced a major unexpected emergency, according to the most recent financial security index survey by Bankrate. Shocking enough, only 39% of the respondents admitted they’d manage to cover an emergency requiring $1000 from their savings.
Further, a report released by CNBC reveals that medical bills are the leading cause of bankruptcies in the US. Given the worrying stats, think of how well you’re prepared if an emergency strikes today.
Given that risk will strike any time, it’s important to have a health insurance plan that can cover the medical bills. Healthinsurance.net helps you find affordable and dependable insurance plans from the top insurance companies.
Get Free Online Quotes or speak to a licensed insurance agent over the phone regarding the best insurance plans that fit your unique needs. The best part is; you can find a plan at your budget, all with a 30-day money back guarantee.
19. Start Saving 20% Monthly on TV with a Smart HD DVR Included
How much do you spend on a cable bill per month? And do you think the bill is too high? We have some good news for you.
All new customers and qualifying existing customers stand to save as much as 20% on their monthly TV bills with Smart HD DVR Included.
With this discount, you’ll enjoy a Free Installation for up to six rooms, which is available in most areas. Besides, it comes with Free Premium Channels for the next 3 months, plus a Free 50$ Visa Gift Card upon sign up courtesy of Satellite Deals.
All offers require credit qualification and 24-month commitment and early termination free with eAutopay. Offer ends 11/14/18. Prices include Hopper Duo for qualifying customers. Hopper, Hopper w/Sling or Hopper 3 $5/mo. more. Upfront fees may apply based on credit qualification.
A few discounts here and there as you shop for items and services go a long way in saving people money in these hard economic times. Take advantage of the above discounts, try your luck and see if you can save, too.