Find low-cost or free activities. Retirees have more leisure time, so entertainment expenses can actually increase in retirement. But you don't always need to go to a movie. Instead, David Smidt, president of SeniorDiscounts.com, recommends checking out national parks and museums, especially those that offer free or low-cost admission to seniors. In many cities, seniors can also pay lower rates for public transportation. "Especially in local shops and stores, they may not advertise a senior discount, but if you ask for one, sometimes they'll give you that 10 percent off anyway," Smidt says. Another reason Smidt says you have to ask for discounts: "Employees don't want to presume that someone who is 40 years old is a senior."