Wednesday, August 22nd, 2018

13 Things Baby Boomers Ought Not To Be Paying For


money compass 13 Things Baby Boomers Ought Not To Be Paying For

Hey Boomers, you and I are really wasting so much money on things we could get for free. The idea came from an article I read on Yahoo! 15 Things You Shouldn’t Be Paying For. So I devised my own list geared to you or us as baby boomers.

If you’re into the latest new toy, shiny things and collecting stuff, then just avert your eyes and click away. But if you want less clutter in your life and want to keep more of your money, then check out these 13 things you ought not to be paying for… because I always like to over deliver…I have included 4 bonus items for you.

1. Your Credit Report ~You don’t have to pay for your credit report. You could sign up for one of the free credit monitoring services online to get a quick look at your credit report. You just have to remember to cancel the service before the end of the free trial. You can go here to view all three of your credit reports once a year for free.

2. Cell Phone~The service plan may be expensive, but the phone itself doesn’t have to cost a thing. Most major carriers will give you a free phone, even a free smart phone, with a two-year contract. And remember, for example, with Verizon, Verizon to Verizon calls are free, plus you can add up to 5 numbers no matter if the numbers are with another wireless carrier or a landline for free calls.

3. Books~There’s a cool place in your town that’s renting out books and cds for free: the library. Remember that place? Stop by and put your favorite book on reserve. And if you don’t feel like getting out, visit and find your books there (small shipping fees apply).

4. CD and Audio Books On CD~Listen to books on cd from the library for free or from the sister site of, nothing better to make the time go quickly on a long road trip than with a book on cd. (as above small shipping fees apply)

5. Water~Besides the monthly utility bill, there’s no reason to shell out $1 for every bottle of water you drink. Bottled water is so 90s anyway. We’re over it, and into tap, filters, and reusable water bottles. It’s cheaper for you and better for the environment. If just 1 out of 20 Americans stopped buying water in disposable bottles, we’d save 30 million pounds of plastic waste a year.

6. Credit Card~With as many credit cards as there are available on the market today, it’s easy to avoid a credit card with an annual fee. Unless you’re dead set on a particular perk that a fee card brings, skip the annual fee card and pocket that money yourself.

7. Debt Reduction Help~Speaking of credit cards, if you’re in over your head with credit card help, there are many free sources you can turn to for help with your debt. No one is going to be able to magically wipe away your debts, but there is help out there that will set you up on a debt reduction plan you can handle. Start with a visit to the to How to Get Out of Debt by Dave Ramsey, for his no nonense, down to earth approach.

8. The News~Leave it to a blogger to try and kill off traditional print. I’m not anti-newspaper. I just don’t find them practical anymore. Skip the daily .50 cents and get your news online. And for you dedicated coupon clippers, you can get most of your Sunday coupons online now too. Find Today’s Daily Deal on the Best in Your City! 13 Things Baby Boomers Ought Not To Be Paying For

9. Web Hosting~ I just wrote a post about why I am switching hosting companines, that discusses a lower cost alternative to high web hosting costs. However, if you want to save entirely on web hosting you can have your site hosted at for free, you will have to endure having Google Adsense Ads at the top of the pages.

10. Checking Account~Isn’t it nice when a bank takes your money, lends it out to earn money, and then has the audacity to charge you for the service? What a joke. Checking should be free. If yours isn’t free then move to one of the many banks that offers a checking account for free. And the same can be said for ATM fees, teller fees, and checks.

11. DVD Rentals~Did you know that you can rent DVDs from RedBox locations for $1 a night? And better yet, if you use one of the coupon codes from you can avoid the $1 charge. Free DVD rentals! Most libraries now have free DVD rental as well. Or if you want unlimited monthly movie rentals then you can test drive Netflix for free.

12. Exercise~Skip the expensive gym memberships. Visit your local park for a walk or run. Do basic push-up and sit-up programs in your living room. Rent a workout DVD from the library. There are many free workout programs you can download online as well. Also, want help getting started search the web with the key words, “boot camp”, my wife just got a 10 week special for $35 to get her jump started for getting in shape. These “boot camps” are intense 1 hour sessions based on U.S. Marine physical fitness training. Once you go thru the sessions, you can then use the exercises learned to create your own regiment.

13. Notepads (Sticky Notes)~Have you ever calculated the cost of those sticky notes. They cost a fortune! Go Green! All of us generate a lot of wasted computer paper daily. Here is an idea, take the printouts you do not use, cut them in quarters, then keep them next to your desk at work, home, next to each of the telephones in your home, and even in the car.

I always want to over deliver so here are 4 additional bonus things to obtain for free or save money on:

14. Video Games~Yes, they can be rented from the library. All video games are not made equal, the hype is not all true….so go to the library first or rent the video game, to see which ones the kids or grandkids like then purchase.

15.DVDs~Just like books or cds there is a sister site where you can swap dvds. Just pay the shipping.

16. UnPlug and Save~It’s called standy power of vampire power (because it sucks energy in the middle of the night) and it accounts for 5 perscent of residential energy use, costing U.S. consumers over $4 billion per year. To cut your use of standby power, unplug appliances such as toasters, electric can openers, and hair dryers when they’re not in use.

17. Map Your Route~Some estimates suggest that the average vehicle drives in the wrong direction 5 percent of the time. This is wasteful of money, carbon dioxide and time.

Hey Boomers, If you know of any other things you should be getting for free? Leave your suggestions in the comments below.

About the author: Boomer54 Mark is the publisher and senior editor of Baby Boomer Talk Online. He likes to be helpful to other boomers sharing useful information he gleans from the web. He attempts to go through life being positive and spreads this to the boomer world via email with inspirational quotes and videos. He is living in America’s finest city, San Diego, with his wife, The Red Headed Trip , and his two Boxer Dogs, Gabe and Luke.

P.S. Be inspired, motivated and uplifted with our Free Daily Boomer Quotes and Videos. Just for subscribing you will receive 2 Free ebooks “What Matters Now” and “7 Ways to Reinvent Yourself”, a $67 value. To get started just click to our Baby Boomer Talk Online Subscriber Page and have the Free Daily Boomer Quote and Video delivered direct to your inbox.


6 Responses to “13 Things Baby Boomers Ought Not To Be Paying For”
  1. As a baby boomer I would love to cut as many costs as possible. Great list, Mark. I will follow up on some of these right away. A few of these I am already working on.

    Phil McMillan´s last [type] ..There Are Opportunities Everywhere…

  2. Thanks Phil,

    The age of consumption is over. We all need to get back to living below our means. And only paying cash for items and not using our credit cards. I thought these items were of things we use everyday and could really help.


  3. Good advice as usual, Mark. Sometimes, spending a little can save spending a lot. 8 years ago I adopted a rambunctious poodle who needed training. I considered hiring an expert, obedience school, and read a couple of books. Then, I attended a one-time class for $20–training humans, so they could train their dogs. The stuff in the books came alive and today I have a mature, well-behaved little gentleman. By the way, do we still equate a dog year with 7 human years? Is my poodle really 70?
    Terry Hamburg´s last [type] ..CLOSE ENCOUNTERS OF THE THIRD KIND


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