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Savings Tips For Retirement

savings tips for retirement

For some, thinking about how to manage money in retirement may not seem important and not a financial priority just yet. However, amid credit card pay off and managing consumer debt, saving during retirement is crucial for financial health after you stop working full-time. Here are some of our savings tips for retirement:

Savings Tips For Retirement

Budget First!

Make a budget, stick to it, and always look for savings everywhere you can. For help creating and managing a budget, download ACCC’s  Household Budgeting Worksheet.

Budget Worksheet

Also, use our Retirement Savings calculator to help you track your expenses and see where your money goes.

Work With the Community

Joining organizations such as the American Association of Retired Persons (AARP) or the Association of Mature American Citizens (AMAC) can also help save you money. Don’t be afraid to ask for senior discounts everywhere you go. Most stores offer them, but they are rarely advertised.

Look Out for Your Tax Relief Benefits

Another place to find discounts is your local senior center and town offices. Some towns offer seniors abatements on things like real estate taxes and water/sewer bills if you qualify (usually there is an age or income qualification). Also, a lot of state governments have tax credits for seniors. For example, in Massachusetts, there is a Senior Circuit Breaker tax credit for those that qualify based on income and usage.

Remember that if you earn under $50,000 annually, you can go to any Earned Income Tax Credit (EITC) tax coalition site and have your tax return done for free. To find a site near you, click here.

Manage Your Credit Card Debt

If getting out of credit card debt is in your way, speak with a reputable credit counseling agency, like ACCC. A certified credit advisor will help you evaluate your current financial situation and provide you with personalized debt solutions.

These are only a few savings tips for retirement. You can work every day on saving however much you can for the benefit of your future.

Call ACCC today at 800-769-3571 to speak with a certified credit counselor about your finances. 


Dilini is a Marketing Communications & Programs Associate at ACCC. To anyone, managing finances can be a real challenge! Any tips and tricks to help get through this are great! Dilini will share her experiences, tips, and tricks along the way through the Talking Cents blog. Stay tuned!

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