Aside from Kinder Joys and tinkering, I love bargains. Who doesn’t, anyway? There’s something fulfiling about saving a quid or two during different sales or bargains. But there is one thing that we should all remember: now that you are free from the daily grind, there’s no excuse to let your money take it easy. Yes, we earned it so we can spend it however we want BUT saving is now more important than ever. Remember, we have already left our jobs when we retired so we no longer have a fixed income that comes during specific periods. On the other hand, we don’t have to put all our money in the bank, safe, or our secret treasure chest. While our old bones may no longer allow us to camp out at the front of the really long queues of the different shops during Boxing Day sales, we can still save a lot of money buying the things we want if we just know how and where to look. This is where discount cards come in handy. After all, why pay full price for something you can get at a fraction of its original cost, or even for free?
For those who are quite unfamiliar with discount cards, these are cards that work like the membership cards found at different shops but instead of getting discounts and other perks from a single shop or brand, discount cards offer bargains for different brands; It is like an all-in-one card focusing on discounts. And these discounts are the main reason why people our age should get one.
Retirement is about creating the lifestyle you want, and saving money in retirement is an important part of that. That’s why I want to discuss Silvercard+ from Silversurfers. As their website tells us, the Silvercard+ is especially catered for us of retirement age and getting one is easy – we just have to sign up for it online and pay the membership fee and once it goes through, Silversurfers will immediately dispatch the card with the guarantee that we will receive it in 10 working days. Often, they have promos upon signing up where they waive the membership fee for a specific period and that is one thing to look out for once you decide to sign up for it. Upon successfully registering for an account, we can immediately browse their catalogue and look at the deals currently available and we can avail of them even if the card is yet to be delivered. Some popular deals include those that are related to travel, like flights and hotels, food and dining, entertainment, electronic gadgets, clothing, hobbies, and so many others.
Unfortunately, its value ends there; I do not really think the annual fee is worth paying for. The Silvercard+ has to be renewed yearly for £12, or £1 a month. Most of the brands offering discounts that I have come upon while looking for deals are those that I haven’t even heard of before, or are frankly just quite impractical. On the other hand, the well-known brands I was interested in only offered a very small discount that made hardly difference in the price when purchasing them during sales, with discounts ranging only from 5% to 10% for those kinds of brands. I also noticed that they only have a handful of deals that are available during the different times I tried looking for ones that may catch my interest. Even if the annual membership fee for the Silvercard+ is but a miniscule amount, I felt like I just threw away my quid for nothing, since I was unable to find a deal which I consider to be worth it.
There are other better discount cards for people like us out there. In fact, a favourite of mine is Seniors Discount. Not only have I gotten better deals there but also, I was able to see so many deals available there that makes Silvercard+’s deals seem little in comparison; we are talking about the thousands of deals that are available over at Seniors Discounts. And the best of all this? In Silvercard+, I had to pay £1 a month while at Seniors Discounts, I didn’t have to pay anything to be a member and get the best deals I could find.
So there you have it. My review on Silversurfers’ Silvercard+. I’d leave it to you to decide whether to go for it or not
Like many people around my age we are redefining what retirement is all about. Our generation is not satisfied with just sitting around waiting for time to pass. We’re breaking the rules and making our latter years mean something.
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