Active Holiday Options for Over 50s. Senior Holiday Cruises. Do I qualify for discounted bus travel in Cambridge? Graeme - 3-Sep PM. Hi can anyone advise me if there is a pan european dicount rail ticket for seniors like the old railpass for students. Any info would be most welcome.
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Thanks Liam - Jun PM. Jim - Your Question:. I have Freedom Pass- I wish to go to Brighton- lowest cost- what details please-travelling from West London- weekday or weekend. I dont know who to register on line. RetirementExpert - Jun AM.
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I have Freedom Pass-I wish to go to Brighton- lowest cost-what details please-travelling from West London- weekday or weekend I dont know who to register on line Jim - Jun PM. Steve - Your Question:. So how do I go about it?
Steve - Jun PM. Caz Jacob. You can purchase a Carte Senior in France, which gives concessions for rail travel. RetirementExpert - 8-Dec PM. I am moving to france in the new year. I have a freedom card here.
Will i get some sort of consession there. We are moving to charente-maritime. And although i can drive i like using buses. Find out lots more fun ways for overs to make money here. Sign up and start collecting now. I asked our friends at Turn2Us. Also, train travel to certain parts, possibly London direction only, is free with the pass I have.. Sign up to receive our weekly newsletter, full of money making and money saving ideas, plus exclusive deals. You can find out more about which cookies we are using or switch them off in settings.
Where to Find Free Stuff for Seniors
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Talk to your local council or directly to the university or college offering the course to find out more. Travel Free bus pass — If you live in England and were born before 5 April you now get free off-peak travel anywhere in England. Off-peak travel is any time between 9. Click here for information about Wales, Scotland and Northern Ireland.
Save in London — If you live in the capital, get yourself a Freedom Pass which will allow you to travel for free on buses, tubes, trains and trams in London. People born on or after 6 October will have to wait until they are 66 to be eligible. Free passport — if you were born on or before 2 September you can get a free passport. See here for more. Sign Up — Newsletter.
Notify of. September 20, September 14, Related Articles Get your free debt support here. Knock knock — what to do if Don't assume these will always be cheapest though — often, they're not. All insurers use risk-based price assessments, so age will be factored in already. The so-called 'special price' for older customers may still be broken by a non-age-targeted quote from elsewhere, so always check first. And if you drive a classic car - or are thinking of buying one - don't tread the usual route and try for quotes using a comparison site.
Many lenders have relaxed upper age caps to let people borrow deeper into their later years.
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We're talking here about the maximum age you can still hold a mortgage, which could be years after you first take it out. But whatever your age, other rules remain the same including the need to pass tough affordability checks. These may be very stringent if it means taking you into your 70s and beyond given people's income almost always drops at retirement. Say you're 55 and want a year mortgage, taking you to You'll need to prove you either already have cash set aside to pay your mortgage in those later years or — even after making mortgage payments — you have enough now to put away for the future.
Here are major lenders' upper age limits though many stress these are their standard caps and they can go further on a "case-by-case" basis :.
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Many older people find themselves asset-rich and cash-poor — with low incomes but valuable homes. Equity release is commonly marketed as a way to spend a home's value while still living in it, either by taking a loan or selling part. Usually, no repayments are made until you die, at which point the cash comes out of your estate, so the interest compounds rapidly.
For example We're no fans of these deals, but for some there's no alternative. Make sure you read these key points first:. It's less of an issue if you've no dependants. If you've nobody to leave the property to, you lose nowt as the debt's repaid from your estate when you die.
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It can affect your benefits. Explore downsizing instead. For many, a cheaper way to release equity is to downsize — sell and move to a smaller home. So explore this, but do it sooner — anecdotally, while many still feel up to moving in their 60s, as they get older the disinclination to move sets in so it's much tougher. Plus the younger you are, the less you can usually borrow.
This trade body's members all promise your estate will never owe more than your home is worth, a "no negative equity" guarantee. Wait as long as you can.
What discounts can I get as a pensioner?
As a rule of thumb, at a rate of 5. So the longer you wait, and the less you borrow, the lower the impact on your estate. Don't think "I may as well do it in one go". It'll usually work out much cheaper, plus you may need more cash later for long term care. Speak to an independent equity release specialist. If you're seriously considering this, speak to an independent mortgage broker or financial adviser with an equity release qualification to find the best deal. Many homes are in the wrong council tax band, and have been since Yet in 10 minutes you can check and challenge it.
Last week got the letter from VOA saying we were being reduced to [band] E, effective from when we moved in, back in August The money was paid into my account yesterday. Total time: less than 4 weeks. It won't cost you a penny to check your band; plus it could cut what you pay now and get you a backdated payout if you've overpaid. If you've ever lost or misplaced vouchers, you can access the codes online for instant redemption, or get the vouchers re-issued.
We have already used them to double the vouchers value online, incredibly useful for Christmas. It's likely you'll be living off less cash than you had before in retirement, so it's crucial to make sure you're budgeting correctly. This guide overhauls your finances, taking you through everything you can cut costs on, from debts to utilities. A clarion call to silver savers — with interest rates at horrendous lows, the only way to get a decent amount is to treat your savings a bit like a job.
You need to put the time in to maintain the best rates, especially if you want to live off the interest. This quick tip will drastically improve the health of your finances. If you've both debts and savings you're seriously overspending. Debts usually cost more than savings earn. So pay off your debts before you start to save and you should be better off in the long run.