Many businesses offer discounts for older customers, but they don't always advertise them. Restaurants, movie theaters, pharmacies, grocery stores, museums, public transit and even some utility companies may have reduced rates for seniors on certain days or for certain services.

The simplest approach is to ask every time you pay. A quick question at the register or on the phone costs nothing, and the answer may surprise you. Membership organizations for older adults can also provide access to discounts on travel, dining and services, so it may be worth checking whether one fits your lifestyle.

Keep in mind that a senior discount isn't always the lowest price available. A regular sale, a coupon or a store brand may beat it, so compare before assuming. Some discounts also require you to show identification or sign up in advance, so keep a photo ID handy when you shop. Over time, a habit of asking can add up to a meaningful difference across many small purchases.