aarp travel coupons

How to use your AARP discount on travel

When AARP — the 38-million-strong organization for people over 50 — starts contacting you about becoming a member, you may freak out. My first reaction was, "I am not that old."

But after I got over my initial consternation, I realized that becoming an AARP member might open up a treasure trove of travel savings for me, including some that are always available and others that come and go periodically.

And it's a small investment: Either pay $12 a year for a multiyear membership with automatic renewal or $16 if you rejoin annually.

"One of the strengths of the AARP program is it's always on and always available," said Matthew Phillips, director of travel for the membership organization. "Another strength is there's the AARP discount and AARP member rate, and you also get those awards points with the programs you are enrolled in."

Members have access to discounts and member-specific deals at more than 10 hotel chains and their brands. There are also exclusive AARP deals for Avis Budget Group car rentals and through a cobranded AARP Travel Center powered by the Expedia portal.

Here are all the ways that you can use AARP discounts on travel, including a few you might not know about.

AARP travel deals

Hotel stays.

Hotel savings for AARP members are between 5% and 10% off the best available rate. Some hotels offer additional perks, too, such as a late checkout at 2 p.m., when available. The ongoing travel discounts are clearly spelled out on the AARP travel benefits website .

Members can click through to the AARP Expedia booking portal or link directly to the booking sites of select providers.

With an AARP membership, you can score discounts for brands in the portfolios of companies such as Hilton and Wyndham Hotels & Resorts . Wyndham, for example, offers up to 10% off, plus a late checkout when available. When you click on the AARP rate during the booking process, you should be able to see the terms, conditions and benefits.

The savings are 5% or more off stays at Best Western Hotels & Resorts and up to 10% off Choice Hotels , whether booked through the AARP Expedia portal or directly with the brands. AARP members also save 10% on stays with budget brands Motel 6 and Red Roof Inn.

At some point during the booking process, you may be asked for your AARP membership number. In some cases, you will need to show your membership card at check-in at the hotel.

Airline tickets

This may come as a surprise, but AARP has a long-standing relationship with British Airways .

The deal is for $65 off World Traveller (standard economy) and World Traveller Plus (premium economy) fares, as well as $200 off Club World (business class) fares. The discount does not apply to basic economy fares.

The savings offer applies to round-trip transatlantic tickets purchased online. Connections to more than 130 destinations in Europe, Asia, the Middle East and Africa are available.

With the offer, you can collect British Airways Executive Club Avios based on the fare booked.

Car rentals

AARP's car rental partnership with Avis and Budget gives members discounts of up to 30% on base-rate rentals when you pay in advance. Other perks from the Avis and Budget brands include an upgrade on a booking for a compact through full-size car, based on availability, and you can add an additional driver at no cost. There's also a 5%-off deal on Payless rentals.

As with hotels, you may need to show your membership card at the car rental counter.

Other AARP deals

Through the Expedia portal, AARP members booking cruises have access to whatever sale fares are being offered, plus an onboard spending credit of up to $100 you can use for drinks, massages or other purchases on the ship, according to Phillips. Featured cruise companies include Princess Cruises and Holland America Line .

AARP members booking vacation packages with flights and hotels or rental cars on the Expedia portal receive the bonus of a $50 prepaid Visa card.

Three escorted and guided tour companies — Collette, Grand European Travel and Vacations By Rail — also offer discounts to AARP members.

Additionally, there's a discount on airport parking — 12% with ParkRideFly — available at nearly 40 airports throughout the U.S. Popular locations include New York's John F. Kennedy International Airport (JFK) and Chicago's O'Hare International Airport (ORD) and Midway International Airport (MDW).

Exclusive AARP offers

In addition to the anytime deals, there are other targeted sales of travel products. For example, if a car rental company is having a sale open to the general public on SUVs, there may be an added offer exclusive to AARP members.

Plus, AARP members receive the organization's magazine and printed bulletin, both of which include some travel content, and can sign up for various newsletters like "Hot Deals," which has limited-time offers in a number of areas, such as dining and insurance products — and sometimes travel.

How to become an AARP member

While AARP is focused on people over 50, there is no minimum age to join. Anyone of any age can take advantage of the travel offers and the discounts on a lot of other products.

AARP provides access to 200-plus benefits, according to the company. While most are available to any member, products that are age-restricted by vendors, such as certain insurance products, are only available to members who are at least 50 years old.

A catch for anyone younger than 50 is that everything AARP does is geared and heavily marketed toward those age 50 and up. As such, you'll get pitches that may be irrelevant to your age group.

If you decide to enroll, it's fast and easy to sign up on the AARP website .

Bottom line

Is an AARP membership worth It?

The low cost of joining AARP makes it a good bet for all ages, even if you only take advantage of the travel discounts. You'll get an immediate return on your $16 membership investment with just one car rental or hotel stay.

In addition to multiple travel benefits, including hotel, car rental and airline discounts, you can take advantage of dining discounts at over a half-dozen brands — why not save 10% off your oysters, steak and truffle fries at McCormick & Schmick's?

Ultimately, for a small annual investment, your wallet will thank you.

Ready to take the plunge? Join AARP for free .

Related reading:

• 11 common rental car mistakes — and how to avoid them
• How to save on cruises with AARP Travel
• Got an AARP card? You now can get a lucrative perk when booking a Holland America cruise
• Barclays revamps and launches new AARP cards for all applicants
• Valuable travel discounts and deals for college students and young adults

Get up to 10% off and Hilton Honors benefits

AARP members get up to 10% off on memory making getaways and enjoy more flexibility with 2 pm late check-out, based on availability. AARP members who are Hilton Honors members earn Points and other benefits.

Get instant Silver status

AARP members earn more benefits as a Hilton Honors member with Silver status. Simply register and enjoy 6 months of instant Silver status. Complete just 2 stays within a 6-month period and keep Silver for the next year.

AARP member offers available

AARP members save up to 17% off our Best Available Rate by booking at least seven days in advance. Rate is non-refundable and prepayment is required at the time of booking.

Park and Stay

AARP members receive parking included for each night booked. Enjoy quick car access when you need it and a place to park when you don't.

*At select properties.

Early Booking

As an AARP member who plans ahead, you can save more when booking your next stay at a participating resort. Save up to 40% off our Best Available Rate when you book early. The farther out you book, the more you save.

Make My Stay

Plan your next resort escape today using your AARP discount. With an on-property resort credit in this offer, all you have to do is choose how to spend it, from a spa day to an elevated dining experience.

Stay Longer in Paradise

AARP members enjoy extra time for fun in the sun and receive 20% off when booking the Stay Longer in Paradise package across the Caribbean, Mexico, Hawaii and more.

Renew your AARP membership

Sign up for an AARP membership to gain access to carefully chosen discounts, programs and services designed to offer real value in every area of your life.

Renew your membership

Continue receiving AARP benefits – including up to 10% off Hilton properties globally when your AARP membership is renewed.

AARP commercial member benefits are provided by third parties, not by AARP or its affiliates. Providers pay a royalty fee to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. Some provider offers are subject to change and may have restrictions.

Up to 10% Off*

AARP members: it’s time to travel—and save! At participating hotels* save up to 10% on stays! From a convenient Comfort Inn ® to the perfect Cambria ® when it’s time to treat yourself, we have a hotel for every type of stay. Start exploring our 7,400+ hotels and see where you can go (and save) now.

More Benefits for AARP Members

AARP members are taking on more of what life has to offer. Now that includes earning a 10% discount on Choice Hotels ® rates at 7,400 participating hotels around the world.*

Not an AARP member? There are two ways to join today!

Redeem points for a new or renewal aarp membership.

AARP members enjoy a wide range of unique benefits, special products and services.

Join Directly with AARP

AARP members get access to carefully chosen discounts, programs and services designed to offer real value in every area of your life, including discounts with Choice Hotels.

Explore the United States

Learn more about our u.s. destinations by clicking on the regions below:, frequently asked questions about aarp.

Choice Hotels ® offers AARP hotel discounts at thousands of participating locations worldwide. Get AARP hotel rates at Cambria, Comfort, Sleep Inn, Quality Inn, Clarion, Clarion Pointe, MainStay Suites, Everhome Suites, Suburban Extended Stay Hotel, Econo Lodge, Rodeway Inn, Country Inn & Suites, Radisson, Radisson Inn & Suites, Radisson Individuals, Radisson Collection, Radisson RED, Radisson Blu, Park Inn & Park Plaza.

For the best pricing, book your AARP discounted hotel stay on choicehotels.com . Simply enter your hotel stay details and select Senior/AARP from the special rate dropdown menu.

In addition to already low-priced hotels, Choice Hotels ® provides AARP members up to a 10% discount on hotel rooms.

*Discount is based on availability at participating hotels and cannot be combined with any other discounts or promotional offers. Advance reservations required. Hotel front desk personnel may require proof of eligibility at the time of check-in. Discounts may not be combined and are non-transferable. Discount programs may vary outside the U.S.

AARP member benefits are provided by third parties, not by AARP or its affiliates. Providers pay a royalty fee to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. Some provider offers are subject to change and may have restrictions. Please contact the provider directly for details.

The AARP Member Rate is 10% off the Best Available Rate at participating hotels (“AARP Member Rate”). The Best Available Rate varies by hotel, is subject to change, and may be different each night of stay. The AARP Member Rate is available for individual bookings only and cannot be combined with any other promotional or discounted offer. The AARP Member Rate is subject to availability, blackout dates may apply, and may be changed or discontinued subject to agreement between AARP and Choice Hotels. In order to receive the AARP Member Rate, the reservation holder must be present upon check-in and must be a valid AARP member in good standing. The AARP member must validate their membership by presenting their AARP membership card via mobile or hard copy upon check-in. If these requirements are not met, the hotel has the right to cancel or amend the reservation to a non-AARP member rate. Participating hotels are subject to change at any time without notice and the number of rooms available for this offer may be limited and may vary by hotel. Subject to applicable law and void or not applicable where prohibited by law. Discount programs may vary outside the U.S. Choice Hotels reserves the right to change or discontinue the offer at any time. Most hotels are independently owned and operated.

Best Available Rate is a specific rate for each participating hotel that may vary with each participating hotel, is unrestricted and excludes any discounted or negotiated rates not available to the general public.

5 Little-Known Travel Discounts Available to AARP Members

M any people utilize paid memberships to save money on everyday expenses. Amazon Prime and Costco are some examples of paid memberships that can offer savings. But AARP is another membership that can help you save money -- and it's affordable to join. While many adults over 50 join AARP, anyone can pay to become a member.

Once you become a member, you can get entertainment, dining, shopping, and insurance deals. Members can also save money on travel costs. Whether you like road trips, international getaways, cruises, or domestic adventures, AARP travel discounts can probably help you keep more money in your bank account . I'll outline a few members-only travel deals below.

1. Save 10% or more on stays with IHG Hotels & Resorts

Need to book a hotel and don't want to overpay? AARP members can save 10% or more off the best available rate at over 6,000 IHG Hotels & Resorts properties worldwide. This discount is available when booking online or by phone with IHG Hotels & Resorts.

2. Get up to 35% off rental car rates with Budget

If you're planning an upcoming road trip, an AARP membership can help you save money on car rental expenses. Members can save up to 30% off base rates or up to 35% with Pay Now bookings. You can also get a free upgrade on compact through full-size car bookings, when available, and add an additional driver for no extra fee. These deals are available when making reservations online or by phone with Budget.

3. Get up to a $200 onboard credit with Holland America Line

Calling all cruise goers! Your AARP membership can unlock savings on your next cruise. When booking a cruise with Holland America Line, you can get up to $200 in onboard credit per stateroom. Total credit varies based on the length of the cruise and stateroom chosen. This deal is available to members when booking online or by phone with the cruise line.

4. Get a discount of up to $200 on select British Airways flights

Members can also save money on airfare costs. When booking flights on the British Airways website, AARP members can save $65 on World Traveller and World Traveller Plus fares and $200 off Club World fares when purchasing roundtrip transatlantic tickets.

5. Save 10% on hotel stays at Wyndham Hotels & Resorts

Here's another hotel discount you won't want to miss. When booking stays at eligible Wyndham Hotels & Resorts properties, you'll get 10% off the best available room rates. This deal is available to members who book online or by phone with the hotel chain.

Here's another way to save on travel expenses with AARP

The above travel discounts are only a sampling of deals available. Another way AARP members can spend less on travel is by booking reservations through the AARP Travel Center. You can easily book travel arrangements through this travel booking portal and take advantage of discounts that allow you to stretch your vacation budget further.

No matter how you book your travel arrangements, don't miss out on the opportunity to earn credit card rewards . By using a travel rewards credit card , you can earn points or miles and later redeem them for flights and hotel stays, making for more affordable vacations.

When using credit cards , make sure you only charge what you can afford so you don't get charged interest. Since credit card interest is high, credit card debt can quickly add up. You can avoid credit card interest charges by paying your entire credit card balance off every month.

Still unsure if it's worthwhile to join AARP? Check out these little-known perks of an AARP membership . It costs $16 per year to join, or $12 per year with auto-renew. Additional membership discounts are available if you sign up for a multi-year membership. Using the deals offered through AARP could be a major win for your personal finances .

Alert: highest cash back card we've seen now has 0% intro APR until nearly 2025

If you're using the wrong credit or debit card, it could be costing you serious money. Our experts love this top pick , which features a 0% intro APR for 15 months, an insane cash back rate of up to 5%, and all somehow for no annual fee. 

In fact, this card is so good that our experts even use it personally. Click here to read our full review for free and apply in just 2 minutes. 

Read our free review

We're firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers. The Ascent does not cover all offers on the market. Editorial content from The Ascent is separate from The Motley Fool editorial content and is created by a different analyst team.John Mackey, former CEO of Whole Foods Market, an Amazon subsidiary, is a member of The Motley Fool’s board of directors. Natasha Gabrielle has no position in any of the stocks mentioned. The Motley Fool has positions in and recommends Amazon.com and Costco Wholesale. The Motley Fool recommends InterContinental Hotels Group Plc. The Motley Fool has a disclosure policy .

Members can access discounts and special features

Cheap Flights To Elektrostal 2024

Add a flight

Elektrostal Flight Travel Guide

No matter how much you fight the travel bug, sometimes there's only one solution—to hop on the next plane to Elektrostal. AARP Travel Center Powered by Expedia® is here to help you cure that bug with great deals on flights and activities. With the best rates from Expedia combined with members-only discounts, AARP Travel offers members the best price in travel, guaranteed.

As an AARP member, you'll get exclusive rates on:

• Car rentals
• Waived booking fees on flights

Once you've got your trip scheduled, we'll show you a full list of deals for your route. Don't forget to look at flights to alternative airports nearby, which can help you find a lower fare.

Transportation at the Airport

Once you have got your flight scheduled to Elektrostal with AARP Travel, you might want to book a car so you can get around on your own. You can book a Elektrostal rental car under our cars tab and get into the driver's seat as soon as you step outside. For more information, check out the Elektrostal Car Rentals Guide.

Things to Do in Elektrostal

If you aren't sure where to start, we can help you with that too. Not to worry—there's plenty to do in this city. Elektrostal has so much to do, and we can help you get started.

If you're looking for some fun activities to do in Elektrostal, make sure you look at our "Things to Do in Elektrostal" page for excursions and activities for the whole family.

Book Your Hotel in Elektrostal

Elektrostal has accommodation options in the area, make sure you check out our hotel listings tab for some great recommendations from past visitors. No matter where you stay, just remember that you'll get the best for your trip when you book with AARP.

Booking Your Visit to Elektrostal

We know that you want to focus less on the logistics and more on the fun stuff, so we provide travel arrangements that fall within your budget. Don't wait a minute longer—book your airfare today and land in Elektrostal tomorrow.

Airports near Elektrostal

• Zhukovsky Airport (ZIA)
• Domodedovo Intl. Airport (DME)
• Ostafyevo Airport (OSF)
• Sheremetyevo Airport (SVO)
• Vnukovo Intl. Airport (VKO)
• Grabtsevo Airport (KLF)
• Yuzhny Airport (IWA)
• Yaroslavl Intl. Airport (IAR)

Flights to Cities Near Elektrostal

• Flights to Moscow

Top Flight Destinations

• Flights to Mogot
• Flights to St. Petersburg
• Flights to Kaliningrad
• Flights to Sochi
• Flights to Vladivostok
• Flights to Kyzyl
• Flights to Irkutsk
• Flights to Mineralnye Vody
• Flights to Kazan
• Flights to Yekaterinburg
• Flights to Novosibirsk
• Flights to Makhachkala
• Flights to Nalchik
• Flights to Rostov-on-Don
• Flights to Gelendzhik
• Flights to Nizhny Novgorod
• Flights to Krasnodar
• Flights to Anapa
• Flights to Volgograd

Explore More Elektrostal Options

Popular Searches

Rolling Stones Presale

AARP daily Crossword Puzzle

Hotels with AARP discounts

Life Insurance

Suggested Links

AARP MEMBERSHIP — $12 FOR YOUR FIRST YEAR WHEN YOU SIGN UP FOR AUTOMATIC RENEWAL

Get instant access to members-only products and hundreds of discounts, a free second membership, and a subscription to AARP the Magazine.

• right_container

Work & Jobs

• Social Security

AARP en Español

• Membership & Benefits
• AARP Rewards
• AARP Rewards %{points}%

Conditions & Treatments

Drugs & Supplements

Health Care & Coverage

Health Benefits

AARP Eye Center

Tips to Protect Your Eyesight

AARP Hearing Center

Ways To Improve Your Hearing

Mental Health Resources

Coping with Depression and Anxiety

AARP Smart Guide

Prepare for a Good Night's Sleep

Scams & Fraud

Personal Finance

Money Benefits

View and Report Scams in Your Area

Take the Charitable Giving Quiz

AARP Money Map

Get Your Finances Back on Track

Budget & Savings

Make Your Appliances Last Longer

Small Business

Age Discrimination

Flexible Work

10 Part-Time Jobs to Beat Inflation

AARP Skills Builder

Online Courses to Boost Your Career

Age Proof Your Resume

Share Your Story

Stand Up to Age Discrimination

Get More out of Your Benefits

When to Start Taking Social Security

10 Top Social Security FAQs

Social Security Benefits Calculator

Medicare Made Easy

Original vs. Medicare Advantage

Enrollment Guide

Step-by-Step Tool for First-Timers

Prescription Drugs

9 Biggest Changes Under New Rx Law

Medicare FAQs

Quick Answers to Your Top Questions

Care at Home

Financial & Legal

Life Balance

LONG-TERM CARE

​Understanding Basics of LTC Insurance​

State Guides

Assistance and Services in Your Area

Prepare to Care Guides

How to Develop a Caregiving Plan

How to Find the Right Caregiver

Recently Played

Word & Trivia

Atari® & Retro

Members Only

Staying Sharp

Mobile Apps

More About Games

Right Again! Trivia

Right Again! Trivia – Sports

Atari® Video Games

Throwback Thursday Crossword

Travel Tips

Vacation Ideas

• Destinations

Travel Benefits

Entertainment & Style

Family & Relationships

Personal Tech

Home & Living

Celebrities

Beauty & Style

Editors' Picks

Best New Shows and Movies

The Weekly Read

Hot New Book Releases

Free Online Novel

Read 'Midnight at the Blackbird Café'

Sex & Intimacy

Make Your Bedroom More Romantic

Grandparenting

4 Ways to Connect With Grandchildren

Making Lasting Memories With Mom

Store Medical Records on Your Phone?

Maximize the Life of Your Phone Battery

Virtual Community Center

Join Free Tech Help Events

​10 Things to Clean in 10 Minutes

Home Improvement

​Your Home Checklist for Aging in Place

38 Ways to Boost Home's Curb Appeal

Driver Safety

Maintenance & Safety

Trends & Technology

Is Now the Time to Buy an Electric Car?

We Need To Talk

Assess Your Loved One's Driving Skills

AARP Smart Driver Course

Building Resilience in Difficult Times

Tips for Finding Your Calm

Weight Loss After 50 Challenge

Cautionary Tales of Today's Biggest Scams

7 Top Podcasts for Armchair Travelers

Jean Chatzky: ‘Closing the Savings Gap’

Quick Digest of Today's Top News

AARP Top Tips for Navigating Life

Get Moving With Our Workout Series

You're this close to getting so much more ...

Get access to this and all Members-Only discussions, plus a world of member Benefits when you Join AARP!

• AARP Online Community
• Leave a Game Tip
• Ask for a Game Tip
• AARP Rewards Connect
• Earn Activities
• AARP Rewards Tips
• Ask for a Rewards Tip
• Leave a Rewards Tip
• Grief & Loss
• Caregiving Tips
• Ask for a Caregiving Tip
• Leave a Caregiving Tip
• Benefits & Discounts
• General Help
• Entertainment Forums
• Rock N' Roll
• Let's Play Bingo!
• Leisure & Lifestyle
• Entertainment Archive
• Health Forums

Brain Health

• Conditions & Treatments
• Healthy Living
• Medicare & Insurance
• Health Tips
• Ask for a Health Tip
• Leave a Health Tip
• Home & Family Forums
• Friends & Family
• Introduce Yourself
• Late Life Divorce
• Our Front Porch
• Home & Family Archive
• Money Forums
• Budget & Savings

Scams & Fraud

• Retirement Forum
• Retirement Archive
• Technology Forums
• Computer Questions & Tips
• About Our Community
• Travel Forums
• Work & Jobs
• Re: 🏖🚢 Tell Us About YOUR 2024 Travel Plans!

🏖🚢 Tell Us About YOUR 2024 Travel Plans!

• Subscribe to RSS Feed
• Mark Topic as New
• Mark Topic as Read
• Float this Topic for Current User
• Printer Friendly Page
• All forum topics

• Mark as New
• Destinations AARP FORUM
• Virginia & Florida
• Anyone living in Panama

• Tell Us About YOUR 2024 Travel Plans!

never-displayed

NEW: AARP Games Tournament Tuesdays! This week, achieve a top score in Space Adventure Pinball and you could win $100! Learn More.

Test your knowledge about the keys to well-being and longevity in the world's five Blue Zones, where residents are living longer and better. Play now!

Sync your smartphone or favorite tracker with AARP Rewards to earn points for hitting steps, swimming and cycling milestones Sync now.

From soft jazz to hard rock - discover music's mental, social and physical benefits. Learn more.

@AARPMaggie

AARP Staying Sharp

@MartinBooker

Budget & Debt

@anofziger17

@SarahLenzLock

Stress & Anxiety

Free webinar May 9: How to spot and stop a scam. Sign up now.

AARP daily Crossword Puzzle

Hotels with AARP discounts

Life Insurance

AARP Dental Insurance Plans

AARP MEMBERSHIP — $12 FOR YOUR FIRST YEAR WHEN YOU SIGN UP FOR AUTOMATIC RENEWAL

Get instant access to members-only products and hundreds of discounts, a free second membership, and a subscription to AARP the Magazine.

• right_container

Work & Jobs

Social Security

AARP en Español

• Membership & Benefits
• AARP Rewards
• AARP Rewards %{points}%

Conditions & Treatments

Drugs & Supplements

Health Care & Coverage

Health Benefits

Staying Fit

Your Personalized Guide to Fitness

AARP Hearing Center

Ways To Improve Your Hearing

Brain Health Resources

Tools and Explainers on Brain Health

A Retreat For Those Struggling

Scams & Fraud

Personal Finance

Money Benefits

View and Report Scams in Your Area

AARP Foundation Tax-Aide

Free Tax Preparation Assistance

AARP Money Map

Get Your Finances Back on Track

How to Protect What You Collect

Small Business

Age Discrimination

Flexible Work

Freelance Jobs You Can Do From Home

AARP Skills Builder

Online Courses to Boost Your Career

31 Great Ways to Boost Your Career

ON-DEMAND WEBINARS

Tips to Enhance Your Job Search

Get More out of Your Benefits

When to Start Taking Social Security

10 Top Social Security FAQs

Social Security Benefits Calculator

Medicare Made Easy

Original vs. Medicare Advantage

Enrollment Guide

Step-by-Step Tool for First-Timers

Prescription Drugs

9 Biggest Changes Under New Rx Law

Medicare FAQs

Quick Answers to Your Top Questions

Care at Home

Financial & Legal

Life Balance

LONG-TERM CARE

​Understanding Basics of LTC Insurance​

State Guides

Assistance and Services in Your Area

Prepare to Care Guides

How to Develop a Caregiving Plan

End of Life

How to Cope With Grief, Loss

Recently Played

Word & Trivia

Atari® & Retro

Members Only

Staying Sharp

Mobile Apps

More About Games

Right Again! Trivia

Right Again! Trivia – Sports

Atari® Video Games

Throwback Thursday Crossword

Travel Tips

Vacation Ideas

Destinations

Travel Benefits

Beach vacation ideas

Vacations for Sun and Fun

Plan Ahead for Tourist Taxes

AARP City Guide

Discover Seattle

25 Ways to Save on Your Vacation

Entertainment & Style

Family & Relationships

Personal Tech

Home & Living

Celebrities

Beauty & Style

TV for Grownups

Best Reality TV Shows for Grownups

Robert De Niro Reflects on His Life

Looking Back

50 World Changers Turning 50

Sex & Dating

Spice Up Your Love Life

Navigate All Kinds of Connections

Life & Home

Couple Creates Their Forever Home

Store Medical Records on Your Phone?

Maximize the Life of Your Phone Battery

Virtual Community Center

Join Free Tech Help Events

Create a Hygge Haven

Soups to Comfort Your Soul

Your Ultimate Guide to Mulching

Driver Safety

Maintenance & Safety

Trends & Technology

AARP Smart Guide

How to Keep Your Car Running

We Need To Talk

Assess Your Loved One's Driving Skills

AARP Smart Driver Course

Building Resilience in Difficult Times

Tips for Finding Your Calm

Weight Loss After 50 Challenge

Cautionary Tales of Today's Biggest Scams

7 Top Podcasts for Armchair Travelers

Jean Chatzky: ‘Closing the Savings Gap’

Quick Digest of Today's Top News

AARP Top Tips for Navigating Life

Get Moving With Our Workout Series

You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.

Go to Series Main Page

6 Steps to Tune Up Your Retirement Finances

Following this checklist can help keep your economic engine running smoothly.

Alani Asis,

Navigating retirement can be overwhelming given uncertainties like market volatility , inflation , life expectancy and the state of Social Security . Like having a mechanic give your car a periodic once-over , regularly reviewing your spending and saving can help keep your financial motor running smoothly, ensuring you maintain healthy cash flow, adapt to changes in the economic landscape and stay on track toward your retirement goals.

If you feel like your economic engine is starting to sputter, or you just haven’t looked under the hood in a while, it may be time to tune up your retirement finances. Here’s your check-up checklist.

AARP Membership — $12 for your first year when you sign up for Automatic Renewal

1. Update your budget

The first step is to dust off that budget spreadsheet and give it a makeover.

Remember that budgeting isn’t just about tracking what you spend . Income is an important element, too. Did you recently pick up a part-time job to keep busy? How did the latest Social Security cost-of-living adjustment (COLA) affect your benefit? Including all income sources in your budget gives you a realistic picture of what you’re working with.

Next, update your budget with current and upcoming expenses. Not just your regular bills like groceries and utilities — factor in things like discretionary spending (on entertainment and eating out, for example), health care costs (which tend to rise as you age), estimated taxes, and any planned travel or home improvements . Aaron Cirksena, founder and CEO of MDRN Capital in Annapolis, Maryland, recommends making room in your budget for an emergency fund (or starting one if you haven’t already). Building a rainy-day cushion into your budget puts you in a better position to handle unexpected home or health costs or absorb economic shocks like an inflation spurt.

Now, compare your expenses to your income. If you’re spending more than you bring in, consider some of these measures to cut costs:

• Reduce discretionary spending.
• Cancel streaming services or other subscriptions you don’t use much .
• Downsize your home.
• Move to a cheaper area.
• Buy bulk or generic items at the grocery store.
• Look for retailers and venues that offer discounts for older customers .
• Comparison-shop for insurance. You may find lower premiums for health, home or auto policies (but make sure you’re still getting the level of coverage you need).

2. Declutter your financial records

Getting control of your finances can be challenging without a reliable organizational system. Gather up loose bills, account statements and other paperwork into one spot, and do the same for digital files on your computer. Identify which documents to keep and which to shred or delete.

According to the Financial Industry Regulatory Authority (FINRA), this is how long you’ll want to retain various financial documents:

• Tax records: 7 years (this includes any records from the categories below that you use in preparing your tax return)
• Property records: 6 years after selling your home
• Mortgages and other loans: Indefinitely
• Bank records: One year for checks and account statements
• Pay stubs: Until you get your W-2 form (so you can verify it has the correct amount)
• Credit card receipts and statements: FINRA says to keep receipts until you can check them against your monthly statements, then shred both (unless they reflect purchases you plan to claim as tax deductions). However, other sources such as Bank of America recommend keeping credit card statements for a year.
• Brokerage statements: 7 years 
• Utility bills: As soon as the payment clears

AARP NEWSLETTERS

%{ newsLetterPromoText  }%

%{ description }%

Privacy Policy

ARTICLE CONTINUES AFTER ADVERTISEMENT

Once you’ve culled outdated documents, organize what’s left. Create physical or digital folders for categories like insurance policies, bank statements, credit card statements, mortgage and loan records, 401(k) and IRA statements, tax records, property records and income statements (from work, pensions, annuities or Social Security, for example).

Store them in a way that’s accessible (so you can quickly find a document you need) but secure. Consider keeping physical documents in a fire-resistant cabinet to protect them from a disaster. For digital files, save backups on a password-protected portable hard drive or encrypted cloud storage service . For an extra layer of protection, you may want to hold both physical and digital copies of your records.

Coupons for Local Stores

Save on clothing, gifts, beauty and other everyday shopping needs

3. Consolidate financial accounts

Like decluttering documents, consolidating your accounts makes managing financial activity easier.

“I often find that people have way too many relationships with different financial institutions and too many accounts,” says Chris Urban, a certified financial planner and founder of Discovery Wealth Planning in McLean, Virginia. “There is often an opportunity to consolidate both of these into a smaller number of institutional relationships as well as combining accounts.”

For example, if you have multiple 401(k)s from different past jobs, you could roll them into a single traditional or Roth IRA . Keep in mind that spouses cannot combine retirement plans, as the names or titles on the accounts need to be the same.

In addition to retirement accounts, consider consolidating your bank or taxable brokerage accounts.

“It is often the case that people have accumulated various bank accounts over the years for whatever reason, perhaps prior to marriage. Most people would be fine working with a single bank and a single brokerage for various savings, investment, retirement accounts,” says Urban.

Don’t consolidate just for the sake of consolidating, though. Many people still need multiple accounts (to separate business and personal banking, for example). In this case, a money management app can help you streamline your financial life by aggregating activity from all your accounts.

4. Check credit reports

You can pull credit reports weekly, for free, from each of the three nationwide credit bureaus (Experian, Equifax and TransUnion) through AnnualCreditReport.com or by calling 877-322-8228. Reviewing them regularly for errors and fraudulent activity is a good practice to integrate into your financial routine.

How to dispute a credit report item

Equifax:   File online , call 866-349-5191, or write to Equifax Information Services LLC, P.O. Box 740241, Atlanta, GA, 30374.

Experian:   File online , call 888-397-3742, or write to Experian, P.O. Box 4500, Allen, TX, 75013.

TransUnion:   File online , call 800-916-8800, or write to TransUnion Consumer Solutions, P.O. Box 2000, Chester, PA, 19016-2000.

You can also use these contact methods to check the status of an ongoing dispute.

Comb each report for unfamiliar or incorrect information. To remove an inaccuracy, you’ll have to dispute it with the respective bureau, which you can do online, by phone or by mail. The federal Consumer Financial Protection Bureau offers detailed advice on how to contest an error, including how to write a dispute letter.

If you believe unrecognized activity on your account was due to fraud, report it to the Federal Trade Commission at IdentityTheft.gov . You’ll find instructions and other resources to mitigate and recover from identity theft .

You can also subscribe to a credit monitoring service. These companies watch your credit report on your behalf and alert you to any changes or suspicious activity in your file. Expect them to charge a fee, but it could be worth it for the peace of mind, especially if you’ve recently been scammed.

LEARN MORE ABOUT AARP MEMBERSHIP.

5. Prioritize debt to pay off

Many retirees primarily rely on a fixed income, and carrying debt means less of that income is available for meeting day-to-day expenses and living the retirement you want, says Jack Wallace, director of government and lender relations at Yrefy, a national lender focusing on student loan refinancing.

Wallace recommends chipping away at debt by paying off high-interest loans first. For most consumers, that means credit card bills.

One way to tackle big balances is consolidating them into a balance transfer card. These cards typically offer a 0 percent annual percentage rate (APR) on transferred balances for a set period, generally \from nine to 21 months. This buys you time to whittle down the debt before interest starts accruing.

“Know when the ‘teaser’ rate expires and make sure you get the best offer before the teaser rate expires,” Wallace says.

Keep in mind that balance transfer cards may charge fees, and interest rates for any balance left after the promotional period ends can be steep. Be sure to compare these terms, as well as additional perks a card offers, such as cash-back points on new purchases.

Wallace offers these additional tips to make debt payments more manageable:

• Refinance high-interest loans if you can secure a better rate.
• Visit the federal site studentaid.gov to see if you qualify for an income-driven repayment plan for student loans, which can reduce your monthly payments.
• Set up autopay to make regular repayments directly from your bank account. Many lenders offer autopay discounts, typically a 0.25 percent reduction in your interest rate.

6. Reevaluate your investments

Changes in your financial situation, your tolerance for risk or the state of the market might signal that it’s time to review your portfolio, Cirksena says.

For example, older adults might consider a more conservative approach because they have less time to make up for losses from riskier investments or a market downturn. This means shifting assets away from stocks and into lower-risk investments such as bonds or annuities. During a bull market, however, investors may be comfortable putting their money into higher-risk investments for increased returns.

Keep your financial obligations in mind, Cirksena adds. Do you have medical issues that are likely to increase your health care expenses? Are you eyeing home renovations, or funding a child’s or grandchild’s college education ? In that case, you might want to keep your money in more stable and liquid vehicles like a high-yield savings account, money market account or certificate of deposit (CD).

Consider working with a financial adviser who specializes in retirement planning. They can help you adjust your portfolio based on your goals, life expectancy, risk tolerance and current situation.

Alani Asis is a personal finance writer based in California. She has written about insurance, investing, credit and debt for Business Insider , Fortune and other outlets.

Discover AARP Members Only Access

Already a Member? Login

More From AARP

As You Age, Is It Time to Rethink Your Bucket List?

For National Bucket List Day, here’s how to take stock of your life goals

Top 5 States Where Retirees Are Moving

6 Things I Wish Someone Had Told Me Before I Retired

Recent retiree shares lessons learned about money, time

Recommended for You

AARP Value & Member Benefits

Carrabba's Italian Grill®

10% off dine-in or curbside carryout orders placed by phone

AARP Travel Center Powered by Expedia: Hotels & Resorts

Up to 10% off select hotels

ADT™ Home Security

Savings on monthly home security monitoring

AARP® Staying Sharp®

Activities, recipes, challenges and more with full access to AARP Staying Sharp®

SAVE MONEY WITH THESE LIMITED-TIME OFFERS

Expedia Rewards is now One Key™

Find hotels in elektrostal.

Most hotels are fully refundable. Because flexibility matters.

Save 10% or more on over 100,000 hotels worldwide as a One Key member.

Search over 2.9 million properties  and 550 airlines worldwide.

Pet friendly

Fully refundable

Reserve now, pay later

Bed & breakfast

Breakfast included

Lunch included

Dinner included

All inclusive

Golf course

Electric car charging station

Outdoor space

WiFi included

Air conditioned

Washer and dryer

Airport shuttle included

Service animals allowed

In-room accessibility

Wheelchair-accessible parking

Accessible bathroom

Sign language-capable staff

Stair-free path to entrance

Roll-in shower

LGBTQ welcoming

See properties that pledge to make all guests feel safe, welcome, and respected.

Business friendly

See properties with amenities to help you work comfortably, like WiFi and breakfast.

Family friendly

See properties that include family essentials like in-room conveniences and activities for the kids.

Compare hotels, room rates, hotel reviews and availability. Most hotels are fully refundable.

Stay near popular elektrostal attractions, electrostal history and art museum.

You can spend time exploring the galleries in Electrostal History and Art Museum in Elektrostal. Take in the museums while you're in the area.

Elektrostal Travel Info

Frequently asked questions.

Yes! The majority of room reservations are refundable if you cancel prior to the hotel's cancellation deadline, which is often 24 or 48 hours before your check-in date. If you have a non-refundable reservation, you might still have the option to cancel and receive a refund within 24 hours of booking. Filter your search by fully refundable to find flexible hotel deals in Elektrostal.

To access more information about rescheduling or cancelling your trip to Elektrostal, head over to our customer service page .

Apart Hotel Yantar is one of the top choices for your stay based on our traveler data, and this 3-star hotel offers free parking and free WiFi. It's located 1.9 mi (3 km) from Electrostal History and Art Museum. Another good option is Apartments , located 4.6 mi (7.4 km) away.

Hotel Mys Otdykha Nadezhda : Offers spa services, an indoor pool, and free parking. Park Hotel Yahonty Noginsk and Areal Congress Hotel are a couple of other choices that feature an onsite pool.

Visitors can enjoy all that Elektrostal has to offer including its museums. There are 35 hotels and other accommodations in the surrounding area. Find out more about Elektrostal .

A favorite place to visit is Electrostal History and Art Museum . You'll also find History of Russian Scarfs and Shawls Museum and Central Museum of the Air Forces at Monino in the area. Check out what more to see and do in Expedia's Elektrostal guide .

The hottest months are usually July and August with an average temp of 63°F, while the coldest months are January and February with an average of 22°F. The snowiest months in Elektrostal are December, November, February, and January, with each month seeing an average of 38 inches of snowfall.

• Explore a world of travel with Expedia
• Yuri Gagarin Cosmonaut Training Center
• Peter the Great Military Academy
• Balashikha Arena
• Bykovo Manor
• Malenky Puppet Theater
• Military Technical Museum
• Drama Theatre BOOM
• Fryazino Centre for Culture and Leisure
• Likino Dulevo Museum of Local Lore
• Shirokov House
• Borisoglebsky Sports Palace
• Fifth House Gallery

Hotels near Elektrostal Airports

• Bykovo Airport
• Sheremetyevo Airport
• Domodedovo Intl. Airport
• Vnukovo Intl. Airport
• Chkalovsky Airport Airport
• Zhukovsky Airport

Other Hotels near Elektrostal, Moscow Oblast

• Northern Europe Hotels
• Eastern Europe Hotels
• Lyubertsy Hotels
• Ramenskoye Hotels
• Balashikha Hotels
• Noginsk Hotels
• Central Russia Hotels
• Kosherovo Hotels
• Zheleznodorozhny Hotels
• Shchelkovo Hotels
• Malakhovka Hotels
• Ogudnevskoe Hotels
• Fryazevo Hotels
• Istomkino Hotels
• Peshkovo Hotels
• Imeni Vorovskogo Hotels
• Berezka Hotels
• Afonasovo Pervoye Hotels
• Bol'shoye Bun'kovo Hotels
• Pavlovskiy Posad Hotels

Expedia's Latest Trends

• Things to Do
• Community Calendar

“Satisfaction/The International Rolling Stones Show"

We want to hear from you if you have an event to share or updates to this event .

Images provided by AmericanTowns.com , Ticketmaster

Other Events You May Like

Tai Chi Five Animal Play: Tiger & Deer

Always... Patsy Cline

Atmosphere - Tour De Friends Part Deux

RAVEN / Vicious Rumors

Upcoming AARP Events

Featured event, fraud basics: the scam landscape & staying safe.

Thursday, May 2, 2024 at 7:00 p.m. ET

Cuyahoga County Library Bay Village Branch

Bay Village, OH

Monday, May 13, 2024 at 2:00 p.m. ET

Cuyahoga County Library Parma-Snow Branch (Room 23A)

Thursday, May 23, 2024 at 2:00 p.m. ET

Cuyahoga County Library Solon Branch (Room 70)

View All AARP Events

• Immediate access to your member benefits
• Discounts on travel and everyday savings
• Subscription to AARP The Magazine
• FREE second membership

Contact AARP in Lakewood

• [email protected]

What community do you want to visit?

¿qué comunidad quieres visitar.