More Perks for the Over 60s

Apart from the obvious pensions, free prescriptions and free eye tests, there are a number of other benefits associated with being over 60.

In addition to the Seniors railcard, which at £28 gives a third off all journeys, you can add to your train travel savings by visiting redspottedhanky.com where you can save up to 80 per cent and earn one loyalty point per pound spent which can be redeemed against future journeys.

Specsavers offers a 25 percent discount when you buy glasses and lenses costing over £69.

Over 75s can get a free TV licence, but if you're only 74 you can get a short term free licence to tide you over until your 75th birthday! To apply call 0844 800 6790 and have ready your current TV licence number and National Insurance number.

English Heritage and The National Trust offer discounts to over 60s for both annual and life membership.

Free loft and cavity insulation are available to over 60s for a limited time only. Access the British Gas website to register your interest and you will be called back to see if you qualify and asked to take part in a telephone survey. You have until 31st October to register.

For senior citizens who wish to study there are grants and discounts for adult education classes. Contact your local authority or apply direct to the appropriate college or university.

There are numerous hairdressing discounts for over 60s as well as cinema and theatre tickets, keep fit and swimming. Just make sure you ask as there are many hidden discounts available that need to be better known. Check restaurant menus too for special offers for over 60s

If you need work done on your property there are discounts available from various tradesmen such as plumbers, painters and electricians.

Although most of these discounts may be just 10 to 15 percent they all add up and you could find yourself saving quite a bit if you take take advantage of them. Watching out for them and claiming what you can will make life considerably easier. Do make sure you are claiming all the state benefits you are entitled to as well, as according to Age UK £5 billion of means tested benefits go unclaimed each year. To find out whether you are eligible for state pensions, pension credits that top up pensions, council tax and housing benefit, social fund and winter payments as well as help with funerals, just call Age UK free on 0800 169 6565.