10 little luxuries you can stay away from during your retirement

Don’t think small indulgences will affect your pension budget? Think again. While everyone deserves a few treats in their golden years, certain “little luxuries” can add up to big expenses over time.

Pro Tip: Before you cut costs, track the amount of fun you get versus the actual cost. Sometimes what seems like a luxury is actually an important part of your quality of life. Other times you spend money on things that don’t bring you much joy.

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Here are 10 little luxuries that financial experts suggest scale back to keep pension funds healthy.

Daily luxury coffee drinks

That $6 oat milk latte may seem harmless, but you do the math. Five days a week works out to $120 a month, or $1,440 a year.

Instead, consider investing in a good home coffee maker. You’ll get your caffeine fix while keeping more money in your pocket.

More information: Cut back on pension? Here’s the main thing you need to get rid of first

Multiple streaming services

When you’re at home more, it’s tempting to subscribe to every streaming platform. But at $15 to $20 each (or sometimes more), having Netflix, Hulu, Disney+, and Max could cost more than $700 annually. Choose your top two favorites or alternate subscriptions seasonally to save money.

Premium cable packages

With so many streaming options available, there’s no need to pay $100 or more monthly for hundreds of channels you don’t watch.

Consider basic cable or even cutting the cord entirely.

Regular food delivery

Those delivery apps are convenient, but the fees, tips and surcharges can add a lot of extra money to your food costs. According to a financial buzz studyPostmates has fees that are 92% higher than the menu price, while DoorDash and Grubhub followed at 83% and 80%, respectively.

The study used the example of a simple $9.85 Chick-fil-A order. That same meal would cost $16.87 if you order it through UberEats, and an exorbitant $23.01 if you order it through Grubhub.

Consider picking up the food in person or eating it on the spot.

Monthly beauty boxes

Beauty box subscription may seem nice and affordable, but at $25 to $50 a month, give or take, they may not be worth it.

When you add up these costs, retirees can spend $600 or more annually on products they may not even use.

It’s probably better to shop strategically during the sale.

Impulse Amazon Prime purchases

The convenience of next-day delivery can lead to mindless purchasing. Those small purchases of $20 to $30 can quickly add up if you don’t commute to stores.

Consider deleting your saved payment information so you can take a break before making a purchase.

Brand Name Everything

Store brands have come a long way, especially when it comes to basics like cleaning supplies and paper products. Switching to generic products for just a few items can save you hundreds each year.

According to The daily dinnerGeneric foods can provide cost savings of 25% to 30% compared to name brand products.

Unused gym memberships

That monthly gym membership may have made sense when you were working, but consider whether you really use it enough to justify the cost. As reported by The motley foolthe average gym membership usually costs between $40 and $70, but that can vary widely depending on things like location and amenities.

Also keep in mind that some Medicare plans offer free fitness programs.

Regular professional manicures

As reported by Southern life Last year, the average cost of a gel manicure could range from $35 to $100, depending on the services provided. Getting a regular manicure every two weeks can cost retirees significantly.

Consider learning your own basic nail care and saving salon visits for special occasions.

Unused landline telephones

If you pay for both a landline and a mobile phone, you may be unnecessarily incurring duplicate charges. According to Forbeslandline phones cost between $10 and $60 per month in most cases.

Decide if you really need both and cut off the one you use less often.

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