When you are getting older, especially when you are retired, you should get smarter on how to spend your money. Today we complied a complete list of department stores that offers senior discount. The discounts are usually offered to those 50 years or older, some may require 55 years old. Check with the cashier before you buy. A valid ID is required, and some may ask you to fill a registration form, so that they can send you promotions in the future. Some of them may require you to use their own credit card, while some don’t.

1. Banana Republic

Most Banana Republic stores offer a 10% senior discount everyday to customers 50 and older. The discount and age vary by location. It also offers many coupons for online use only. If you shop online you could save 20% to 40% easily. If you prefer to shop in store, don’t forget to use their printable coupons.

2. Bealls

If you are 50 years or older, you can save 15% on the first Tuesday of every month, and additional 5% if you use their own credit card, while the Bealls online coupon is only $10 off or 10% off. Ask for BEALLS BUCKS, you could earn $10 for every $50 you spend.

3. Belk

Senior Day is on also the first Tuesday of every month for customers 55+. With your Belk Rewards Card, you will save 15% on Home and Shoes, and 20% on all other items.

4. Bon-Ton

Most of Bon-Ton stores have one Senior Day a month which usually falls on a Wednesday for customers 55 and older. Varies depending on locations. You will receive 10% off on all Home items with any payment type, 15% off on non-home items with non Bon-Ton caredit card, or 20% off on non-home items with a Bon-Ton caredit card. Bergner’s, Boston Store, Carson Pirie Scott, Elder-Beerman, Herberger’s, Parisian, and Younkers are also part of Bon-Ton offering similar senior discount. Call them to find the detail.

5. Dress Barn

Seniors 62 or older will get 10% off entire purchase on every Tuesday. Some locations offer senior discount to 55 and older on every Wednesday.

6. Goody’s

Senior Day is the first Tuesday of every month. Customers 50 and older will receive 15% off entire purchase, and an additional 5% off with a Goody’s Credit Card. Need to sign up with a sale associate.

7. Kohl’s

Senior discount is offered on every Wednesday. Ages 62+ will receive 15% discount. Don’t forget their $10 Rewards with every $50 purchase. The rewards are good for your next purchase. If you purchase online, be sure to use our 20% off promo code.

8. Lord & Taylor

15% off on every Wednesday for customers 62 and older. May vary from store to stores.

9. Meijer

Senior Day is only one day a month, usually Monday or Tuesday. Call them to find out. For customers 55 and older a 15% off will be applied on general merchandise.

10. Peebles

On first Tuesday of every month, seniors of 50 and older will receive 15% off on all purchases, or additional 5% off when you use Peebles Credit Card to check out.

11. Ross

Customers 55 years of age or older will receive 10% off your entire purchase on every Tuesday. Need to sign up The Every Tuesday Club at Customer Service by providing an ID with your age or date of birth. The store will issue you a Tuesday Club Discount card.

Shopping for clothes has become one of my hobbies. I like to try on new trends, as well as 70s or 80s vintages. The clearance sections at major department stores can yield discounts much deeper than those full-priced items. All you need is to spend time looking for bargains. Try JC Penney, Macys, Dillars. You can easily spend a whole day the the shopping mall. But that’s not it, here are 5 smarter ways to shop for clothes.

1.Chain Bargain Stores

Ross, TJ Maxx and Marshalls offer brand name clothes at very attractive prices. For bargain hunters, walk straight to the clearance sections. Price drops may due to small defects which can hardly be spotted, or lack of sizes. Don’t forget Ross’s senior discount on every Tuesday morning. Kohl’s is also a good choice. Unlike Ross and TJ Maxx, clothes at Kohls are either discounted branded or private labeled. Kohl’s provides coupons from time to time. If you are using Kohl’s credit card, you would receive coupons in your mail box, otherwise, get some coupons from Internet.

2.Outlet Stores

Outlet stores could very crowded during weekends and holidays. They used to be many people’s number one choice to shop for bargains. But nowadays they are very much like a regular store offering full price items, such as Gap Outlet, Levi’s Outlet, Adidas Outlet. You need to check out their sale racks, otherwise you would end up buying items at full prices, although you may see price drop tags on them. Nordstrom’s outlet, Rack, is one of my favorites to shop upscale clothing.

3.Overstock Websites

SmartBargains.com and Overstock.com are the two bargain sites I would recommend. Smart Bargains mostly sell brand name clothing, shoes and handbags. You could find hundreds of big designers’ apparel here at a fraction of retail price. This website sometimes offers a 15% off or 30% off sitewide coupon. You need to stay alerted to get the big discount. Overstock.com sells everything, you need to dig in to find the real deals. Don’t forget to compare prices when you shop online. Google the item’s name and click on “Shopping” at the left to compare the prices.

4.Thrift Stores

Goodwill and The Salvation Army Store are the two most well-known thrift stores in the nation. But there are also hundreds of smaller one. Try searching thrift store in Google Map. You will find plenty in your area. The items at these thrift stores may not be exactly what you wanted. But they are really cheap. You could get a second-hand leather jacket for 5 bucks, or a pair of like-new Prada shoes for $10.

5.Garage Sales

You will never know what surprises you will get before you go to a garage sale. Bargain gently with the seller, you might end up with a really good deal. Examine the clothes very carefully, because you don’t have the chance to return it. Don’t pay for more $10 for any clothes. $1 for a Tee, or $5 for a hoodie is fair enough.