The life of a senior citizen can often be challenging, especially in terms of finance. Fortunately, there are a variety of discounts available to seniors who simply ask for them.

Countless food chains offer discounts for seniors aged over 55 years. Participating KFC and Whataburger chains provide free drinks with the purchase of a meal. Other stores, including IHOP, Krispy Kreme, Burger King and Long John Silver’s take 10 percent off of the price of a meal. Fazoli’s, Country Kitchen and Perkins Restaurants even have special lower-priced menu items only available to seniors. Using these discounts frequently is easy and will add up to large savings very quickly.

Many travel discounts can be used by seniors in all sorts of places. Hotels such as Marriott, Hampton Inns & Suites, Motel 6 and La Quinta offer deals in the range of 10 to 15 percent discounts off the price of the room. Hyatt Hotels even offer up to half off the price of a room if booked in advance for two people. Besides hotels, some cruise lines, including Royal Caribbean and Carnival Cruise, charge less for seniors. These discounts allow seniors to spend their leisure time both traveling and saving money.

Monthly payments for insurance can cause problems for seniors living on less. In terms of car insurance, seniors can save money easily because most major car insurance companies have lower rates for those who drive less, such as seniors. Other car insurance companies give age-related discounts. Health insurance can also be financially problematic as well ever since the Affordable Health Care Act made insurance mandatory. Options are available, however, including long term care plans where seniors are given cheaper rates when they opt in earlier and for longer periods of time.

Seniors who are paying off a mortgage can be at a financial disadvantage, but alternative payment options are available to cut down on costs. Seniors have access to a mortgage bailout program known as the Home Affordable Refinance Plan that lowers their payments when refinancing. Additionally, reverse mortgages have recently become widely available to senior citizens, providing what is for some a better option of payment, as more money is readily available while still providing interest towards the payment of the loan balance.

Many options are available for senior citizens looking for discounts. With a touch of foresight and planning, sizable amounts of money can be saved easily using many of these discounts. For those who are intimidated by the prospect of having to remember which stores provide discounts, the safe bet is to always ask. Discounts are all around and free for the taking.