Most Americans are missing out on programs that could help them save hundreds – even thousands – each year.
From healthcare and home repairs to insurance discounts and tax credits, there are dozens of money-saving opportunities that go unnoticed simply because people don’t know they exist.
We’ve rounded up 13 of the most helpful benefits, discounts, and tools available right now – and many are free or take just minutes to check.
1. New Service Helps Homeowners Explore Roof Replacement Options in 2025
Don’t Wait on Costly Roof Repairs
Roof repairs and replacements can be expensive — but delaying them often leads to even bigger headaches like leaks, water damage, mold, or even pest infestations.
That’s why HomeBuddy Roofing makes the process simple. In just a few clicks, you can:
- Share a few quick details about your roof
- Get matched with a trusted local roofing contractor, and
- Receive a free, no-obligation quote.
Many homeowners are surprised at how affordable roof repair or replacement can be once they see local options and available incentives.
If your roof is showing signs of wear or is over 10 years old, don’t wait until a small issue turns into a costly problem.
Enter your ZIP code today to see how much you could save with HomeBuddy
2. See If You Qualify for Debt Relief – Without Taking a New Loan
Inflation, rising interest rates, and leftover financial strain from the pandemic have left many Americans buried in debt.
If you’re carrying $20,000 or more in credit card or personal loan balances, debt relief services may help reduce what you owe without requiring another loan. In many cases, people who qualify are able to get out of debt within 24 to 48 months.
Thousands have already used these services to regain control of their finances. It only takes a few minutes to check if you qualify for lower payments and a faster path toward financial stability.
3. Homeowners Could Save on Monthly Mortgage Payments
Many homeowners are finding ways to lower their mortgage costs during today’s challenging economy.
If you owe less than $625,000 on your home, you may qualify for a reduction of up to $271 per month — more than $3,200 a year in potential savings. Checking eligibility is quick, free, and requires no obligation.
Some homeowners are surprised to learn they qualify by simply answering a few basic questions. But opportunities like this often change when rates shift or funding ends, so it makes sense to check sooner rather than later.
4. Protect Against Costly Home Repairs With a Warranty
When essential appliances or systems break down, the repair bill can be overwhelming. Standard homeowners insurance doesn’t usually cover items like refrigerators, ovens, washers, or even heating and cooling systems.
That’s where a home warranty can help. These plans provide coverage for repairs or replacements when major appliances or systems stop working. In some cases, if an item can’t be repaired, it’s replaced instead.
From heaters in the winter to air conditioners in the summer, a home warranty offers peace of mind and protection from unexpected costs. Checking available plans in your area is quick and straightforward.
5. Many Homeowners Are Paying Less for Insurance
It’s common for homeowners to stick with the same insurance company for years without checking if they’re overpaying.
By comparing rates, some people have found they can save more than $1,600 a year on home insurance — often without changing their level of coverage. In some cases, bills are cut nearly in half.
Comparing quotes from trusted providers takes less than a minute, and there’s no obligation to switch. A quick check with your ZIP code shows what rates are available in your area.
6. How Reverse Mortgages Provide Extra Income for Retirees
With higher living costs and limited retirement savings, some homeowners age 62 and older are turning to reverse mortgages as a way to access extra income without selling their homes.
A reverse mortgage allows you to convert part of your home’s equity into cash. The money is tax-free and can be used for everyday expenses, medical bills, home repairs, or simply to create more financial breathing room in retirement.
Key benefits include:
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No monthly mortgage payments required
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Access to funds for healthcare, home improvements, or emergencies
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Ability to stay in your home while maintaining ownership
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Greater flexibility and independence in retirement
Eligibility depends on factors like age, home value, and equity. Checking what you qualify for is quick and won’t affect your credit.
7. A Little Known Social Security Strategy Could Increase Your Monthly Benefits
If you started collecting Social Security early, you may be receiving less than you could. There’s a strategy known as the “do-over” option that allows some retirees to pause their benefits, repay what they’ve collected (without interest), and restart later at a higher monthly amount.
For example, someone who began collecting at 62 might receive about $1,200 a month. By restarting at 70, that same person could see their benefits rise to over $2,100 a month — an increase of around $900 every month for life.
This approach isn’t right for everyone, but for those who qualify, it can make a meaningful difference in retirement income. If you think it might apply to you, consider speaking with a Social Security or financial advisor to review your options.
8. Solar Incentives Help Homeowners Cut Energy Costs
Rising energy bills have led many homeowners to consider solar power as a long-term way to save. Federal tax incentives and rebates are making the switch more affordable by covering part of the installation cost.
Through the Federal Residential Renewable Energy Tax Credit, eligible homeowners can reduce the upfront expense of solar panels. Once installed, solar systems often lower monthly electric bills significantly—and in some cases, nearly eliminate them.
For homeowners looking to cut costs and invest in renewable energy, solar provides both immediate savings and long-term benefits. Checking current incentives in your area is quick and straightforward.
9. 6 Pharmacy Programs That Can Help You Save Big on Prescriptions
Prescription medications can be expensive, but many major pharmacies offer programs that provide significant savings — even if you don’t have insurance. Here are seven programs that can help you reduce your out-of-pocket costs:
- CVS ExtraCare® & Pharmacy & Health Rewards: CVS’s ExtraCare® program offers personalized coupons and 2% back in ExtraBucks® Rewards on qualifying purchases. By enrolling in the Pharmacy & Health Rewards, you can earn up to $50 in ExtraBucks® annually for filling prescriptions and completing health-related activities.
- Rite Aid Rx Savings Program: Rite Aid’s Rx Savings Program provides discounts on prescription medications for customers without insurance or whose insurance doesn’t cover certain drugs. Participants can enjoy significant savings on thousands of brand-name and generic medications.
- Costco Member Prescription Program (CMPP): Costco’s CMPP is a prescription drug discount card program available to Costco members. It offers savings on prescription medications for those without insurance or whose insurance doesn’t cover all their prescriptions. The program is not insurance but provides discounted pricing at participating pharmacies.
- NACo Prescription Discount Card: The National Association of Counties (NACo) offers a Prescription Discount Card that provides savings on prescription medications. Cardholders can save up to 75% on prescriptions, with an average savings of 24%. The card is accepted at over 65,000 pharmacies nationwide, including major chains.
- Walgreens Prescription Savings Club: Walgreens’ Prescription Savings Club provides discounts on thousands of brand-name and generic medications. Members can also save on immunizations and receive additional discounts on Walgreens brand products. Membership fees are $20 per individual or $35 per family annually.
- Walmart $4 Prescription Program: Walmart offers a list of generic medications available at $4 for a 30-day supply and $10 for a 90-day supply. This program includes medications for various conditions, such as high blood pressure, diabetes, and cholesterol management.
Pro Tip: Even if you have insurance, it’s worth comparing these programs’ prices with your insurance copays. Sometimes, these discount programs can offer lower prices than your insurance plan.
Ready to start saving? Visit your preferred pharmacy’s website or speak with a pharmacist to enroll in these programs and begin reducing your prescription costs today.
10. Get $250,000 in Life Insurance Coverage for as Little as $15/Month — See If You Qualify
Life insurance is one of the smartest ways to protect your family from unexpected financial burdens — yet many people either don’t have it or are overpaying for outdated policies.
Thanks to a new online platform, qualifying for coverage has never been easier. Many people are now finding $250,000 policies for as low as $15/month — with no medical exams, no long forms, and guaranteed acceptance options available, even for seniors or those with pre-existing conditions.
Rates are currently at 20-year lows, and this platform lets you compare plans from top insurers in seconds, helping you secure the best possible rate based on your age, health, and location.
- Affordable monthly premiums
- Coverage options up to $250,000+
- No medical exams required in many cases
- Available even if you’ve been denied before
It’s fast, free, and there’s no obligation. Check your rate now and make sure your family is financially protected.
11. Drivers Over 50 Could Save Up to $610/Year on Car Insurance — Here’s How
If you’re paying more than $50/month for car insurance, there’s a good chance you’re overpaying — especially if you haven’t reviewed your policy in the last year.
Many drivers, especially seniors, stick with the same insurance provider for years without realizing that their rates have slowly crept up. But now, thanks to a new online tool, it’s easy to compare top insurance providers and uncover discounts you may not even know you qualify for.
- Low-mileage driver savings
- Bundling home and auto policies
- Safe driving history
- Retired or reduced-commute discounts
Most drivers are surprised by how much they can save — often up to $610/year or more.
It only takes a minute to check, and there’s no cost or obligation. See how much you could save by comparing rates in your area now.
12. Over 55? Get a Discount When Eating Out
- Arby’s – 55 and up get a 10% discount or a free drink
- Applebee’s – 60 and up get 10% to 15% off at participating locations.
- McDonald’s: discounts on coffee and beverages (55+)
- Wendy’s: give free coffee or other discounts depending on location (55+)
- Denny’s: offers a 55+ menu with smaller portions, and better prices
- IHOP – 10% discount (55+) and a menu for people aged 55 and over at participating locations
- Subway: 10% off (60+) varies by location
- KFC: free small drink with any meal depending on location (55+)
- Burger King: 10% discount on purchase depending on location (60+)
13. Drivers Are Finding Auto Insurance as Low as $29/Month — Compare Rates Instantly
If you’re paying more than $50/month for car insurance, you might be spending more than you need to — especially if you haven’t compared quotes recently.
A new online tool makes it easy to compare rates from multiple insurance providers in one place — helping drivers find policies as low as $29/month. Many users are shocked to discover they could save $100–$300/month, just by switching providers.
Whether you’re a student, first-time car owner, or just looking to cut monthly expenses, this tool helps you quickly find the best deal for your driving history, vehicle, and ZIP code.
- Takes just 2 minutes
- No phone calls or commitments
- 100% free to use
Start by entering your ZIP code to see how much you could save today.
