6 Tips for Stretching Your Social Security Benefits for Holiday Travel

For retirees relying on Social Security, holiday travel can feel like a luxury reserved for those with extra cash. Rising airfare, expensive accommodations and dining costs can make even short trips seem out of reach. But smart planning and savvy choices mean it’s possible to enjoy festive celebrations and memorable trips without derailing the budget.

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Here’s a practical guide to making the most of limited resources while soaking in the holiday cheer.

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Embrace Senior Discounts

Age can be an advantage when it comes to travel. Many airlines, train services and bus companies offer discounted fares for seniors. Hotels, museums and tourist attractions often have reduced prices for older travelers, as well. While these discounts aren’t always advertised, asking directly or researching eligibility beforehand can unlock significant savings.

Got an AARP membership? You’re already sitting on travel discounts on everything from car rentals to cruises, including 10% off at Wyndham Hotels & Resorts and up to 35% off Avis rentals. With perks like these, your budget stretches a whole lot further.

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Leverage Travel Rewards and Points

Frequent flyer miles and credit card reward points can be powerful tools for reducing travel costs. Instead of paying out of pocket for flights or hotels, use accumulated rewards to cover these expenses. If you’re not part of a rewards program yet, now’s the time to sign up to start earning points for future adventures.

It’s also worth checking if your existing credit cards offer travel perks, such as free checked bags, priority boarding or discounted travel insurance. These small savings add up quickly.

Book Off-Peak

Holiday travel doesn’t have to mean battling crowds on peak days. Flying just before or after major holidays can slash airfare and lodging prices. Midweek flights? Often way cheaper than weekend ones.

According to Hopper’s recent holiday travel outlook, for example, flying on Christmas Eve or Christmas Day can save domestic travelers about $100 per ticket (26%). International travelers can cut costs by 30%. Want to save even more? Booking a return flight on New Year’s Eve averages $68 less than earlier in the week. Timing matters.

Opt for Affordable Accommodations

Hotels aren’t the only lodging option. Vacation rentals, hostels and homestays often cost less and can include kitchens, so you can cook instead of eating out. House-swapping or staying with friends or family? That’s free lodging with bonus quality time.

Every dollar you save on accommodations means more for holiday treats or experiences.

Choose Budget-Friendly Dining Options

Holiday travel often comes with indulgent dining costs, but there are ways to keep meals affordable. Many local eateries offer special senior menus with smaller portions and lower prices. Farmers’ markets and food trucks are another way to enjoy local cuisine without paying restaurant prices.

Got a place with a kitchen? Cook a few meals and enjoy cozy holiday dinners in your home away from home.

Stay Within Driving Distance

For those concerned about airfare, choosing destinations within driving distance is a practical solution. A regional trip can save hundreds, and road-tripping gives you the freedom to pack meals and avoid luggage fees.

For example, Kayak’s trip calculator estimates that driving from Charlotte, North Carolina, to Richmond, Virginia, costs about $90 for two people, compared to $741 for flights. Closer destinations can be just as magical — and way easier on the wallet.

With the right strategies, holiday travel doesn’t have to be a financial burden. With discounts, rewards and smart choices, retirees can create lasting memories without the financial stress. Travel smart, spend less and savor every moment.

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This article originally appeared on GOBankingRates.com: 6 Tips for Stretching Your Social Security Benefits for Holiday Travel