8. Satellite Radio and Premium Audio Streaming

In-car satellite radio services like SiriusXM offer excellent programming for long commutes, but fixed-income retirees who drive significantly fewer miles often overpay for the service. Standard satellite radio pricing ranges between $15 and $25 per month per vehicle, which translates to $180 to $300 annually for audio content you may only hear during short trips to the grocery store.

If you prefer music or talk programming while driving, several low-cost or free alternatives exist. Over-the-air local radio remains entirely free, while smartphones stream thousands of specialized podcasts, audiobooks, and news programs at no cost through Bluetooth connections. If you still prefer satellite radio, calling customer service to negotiate a promotional rate can frequently drop your bill down to $5 per month.