The 2025 Social Security Cost-of Living Adjustment (COLA) offers a slight increase, but for many seniors, it’s not enough to cover rising living expenses.

Here at the National Organization of Retired Americans, we support higher COLAs. However, we also provide practical tips seniors can use when COLAs are underwhelming. It’s important to make every dollar count, so here are a few ways to stretch and grow your benefits in a smart, practical way.

1. Focus on Essential Spending
Start by reviewing your budget and prioritize essential expenses. Cover housing, food, and medical costs first. Cutting back on non-essential spending, such as dining out or subscriptions, can make your COLA go further.

2. Shop for Deals and Discounts
Many stores offer senior discounts, but they aren’t always advertised. Be proactive and ask for them. Consider buying in bulk for long-lasting items or using loyalty programs to reduce costs on groceries and everyday needs.

3. Consider Part-Time Work or Hobbies for Extra Income
If you’re able and interested, part-time work can help supplement your Social Security. Additionally, turning a hobby into income, such as selling handmade crafts or tutoring, can boost your finances without a full-time commitment.

4. Explore Financial Assistance Programs
While Social Security isn’t charity, many programs like this do exist for seniors. Look into energy assistance, healthcare benefits, or food programs that can offset your monthly expenses. These programs can allow you to save more of your COLA for other needs.

Making thoughtful financial decisions can help you stretch and even grow your 2025 Social Security Cost-of Living Adjustment. With the right approach, you can manage your money effectively and still enjoy a comfortable lifestyle.

Help us increase the COLA to where it should’ve been all along by signing our petition. You can also follow us on Facebook and Twitter for more content.