Lifestyle
Easy Ideas to Stretch Your Retirement Budget: Ways seniors can save on enjoyable activities
Last Updated on November 12, 2024 by Daily News Staff
(Family Features) Retirement may mean you have unlimited time to enjoy each day, but it doesn’t mean you have a budget to match.
You probably already know staying active is essential for aging with grace, so instead of letting limited funds keep you at home, explore some ways you can enjoy your leisure time without breaking the bank.
Hit the Gym
Many fitness centers offer special rates and programs for older adults. Hitting the track or joining a group fitness class are easy ways to socialize while getting some exercise. The discounted membership is also an investment since staying fit is important for physical and mental health.
Enjoy Early Dinner Deals
You can still enjoy dining out occasionally, especially if you take advantage of lower-cost meals designed with older adults in mind. Many specials are for meals earlier in the day, which is consistent with a growing trend toward earlier dining. According to Yelp, the number of people eating from 4-6 p.m. has grown 9% (up to 26% from 17% in 2019). Eating earlier promotes better digestion, and earlier meals are often lighter portions for smaller appetites. For example, Cracker Barrel’s Early Dinner Deals feature smaller portions served from 4-6 p.m. on weekdays. Menu items include a variety of homestyle favorites like chicken n’ dumplins, meatloaf, catfish and more.
Check Out the Library
Your local library is filled with hours of free entertainment, but it’s not just the kind you’ll find from getting a library card. You can undoubtedly find a book that covers any genre or interest you can name, but most local libraries also offer programming tailored to special interests and the sessions are typically offered for free or at a low cost. It’s an easy, affordable way to pick up a new skill, meet a favorite author, learn about a topic that intrigues you and more. Other resources to explore include your library’s DVD collection and internet access if you don’t have a computer at home.
Nurture a Garden
Tending a garden may seem like a seasonal activity, but you can make it a year-round hobby. Researching and planning is a good way to carry your gardening enthusiasm into the cooler months and you can start seedlings indoors to extend your growing season. While you’re digging into this low-cost pastime, remember the results of your efforts, such as fresh fruits and veggies, can help cut your grocery costs, too.
Mind Your Money with DIY
Saving money at the grocery store is just one way you can make DIY projects work for you. There are dozens of other examples of ways you can put your skills and interests to use by passing time doing something you enjoy while benefiting your bank account. If you like to tinker with cars, figure out what repairs you can handle yourself and avoid hefty service fees. Crafting and sewing might mean you have ready-made gifts for special occasions and a way to repair or repurpose damaged clothing instead of discarding it.
Ask About Discounts
You may be surprised by how many places offer discounts for older adults that they don’t readily advertise. In some cases, you’ll find the information on their website or signage, but other times, you may find it easier to just ask. When you’re booking an appointment or checking out, inquire about discounts for older adults, including any restrictions, age requirements, the amount of the discount and other pertinent details. Sometimes the discounts are offered on certain days or for specific services, or they may require you to join a loyalty club to access the discounts. When dining out, many restaurants offer a variety of loyalty perks. Rewards members at Cracker Barrel can earn points, or “Pegs,” on qualifying restaurant and retail purchases. Members can also take advantage of bonus birthday, anniversary and surprise rewards throughout the year.
To find a location near you, visit crackerbarrel.com/locations.
Photo courtesy of Shutterstock (Couple gardening)
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Cracker Barrel
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Lifestyle
Why the First Year Behind the Wheel is the Most Dangerous: Data Shows Teen Drivers 3 Times More Likely to be in Fatal Crash
Teen drivers are significantly at risk of fatal crashes, with those aged 16-19 being nearly three times more likely to be involved in accidents than older drivers. The first year of driving presents heightened dangers, but with proper preparation, including coaching, technology, and smart insurance, families can mitigate these risks and promote safety.
Why the First Year Behind the Wheel is the Most Dangerous: Data Shows Teen Drivers 3 Times More Likely to be in Fatal Crash
(Feature Impact) The driver’s license photo may be slightly awkward, but the milestone is unforgettable. For families, a newly licensed teen means independence, busy schedules and a new set of responsibilities.
Motor vehicle crashes remain one of the leading causes of death for U.S. teens, according to the Centers for Disease Control and Prevention (CDC). Data from the National Highway Traffic Safety Administration shows drivers ages 16-19 are nearly three times more likely to be involved in a fatal crash than drivers 20 and older, per mile driven.
The statistics are serious, but they’re also manageable.
“With the right preparation, teen driving doesn’t have to feel overwhelming,” said Susan Irace, manager, divisional claims at Mercury Insurance. “Experience is what young drivers are building. Parents can help shorten that learning curve with structure, technology and smart coverage decisions.”
Why the First Year Matters
Federal safety data shows crash risk is highest in a teen’s first year of independent driving. Night driving, teen passengers and distracted driving increase that risk – while seat belts, graduated licensing laws and supervised practice significantly reduce it.
In 2023, more than 2,800 teens ages 13-19 were killed in motor vehicle crashes nationwide, according to the CDC. However, teen crash rates have declined over time thanks to safer vehicles, graduated driver licensing programs and greater awareness of distracted driving.
Ways to Reduce Teen Driving Risk
The experts at Mercury Insurance encourage families to focus on preparation rather than panic.
1. Coach Early and Often
- Log supervised driving time in different conditions – highways, rain, nighttime
- Create a simple written driving agreement outlining expectations
- Limit teen passengers during the first year
- Make seatbelts non-negotiable
2. Let Technology Help
- Choose vehicles with safety features like automatic emergency braking and blind-spot monitoring
- Use telematics or safe-driving feedback tools to reinforce good habits
- Activate smartphone “Do Not Disturb While Driving” settings
3. Review Insurance Before the Keys Change Hands
- Add teens to your insurance policy promptly
- Revisit liability limits to protect family assets
- Ask about good student and driver training discounts
“Insurance is about preparation, not fear,” Irace said. “When families combine active coaching with the right coverage, they’re setting their teen up for safer miles ahead.”
Preparation Turns Risks into Confidence
The first solo drive is a milestone, but preparation determines what comes next. By pairing common-sense coaching with today’s vehicle safety technology and thoughtful insurance planning, families can support independence while managing risk responsibly.
For more teen driver safety tips and coverage guidance, visit MercuryInsurance.com/resources.
Photos courtesy of Shutterstock
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Our Lifestyle section on STM Daily News is a hub of inspiration and practical information, offering a range of articles that touch on various aspects of daily life. From tips on family finances to guides for maintaining health and wellness, we strive to empower our readers with knowledge and resources to enhance their lifestyles. Whether you’re seeking outdoor activity ideas, fashion trends, or travel recommendations, our lifestyle section has got you covered. Visit us today at https://stmdailynews.com/category/lifestyle/ and embark on a journey of discovery and self-improvement.
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Last Updated on March 13, 2026 by Daily News Staff
(Feature Impact) To add charm to your yard, encourage local wildlife and give you a front-row seat to nature, building a birdhouse is a simple weekend project that checks all of those boxes.
Building a Birdhouse
Seasoned DIYers and first-timers alike can follow this step-by-step guide to create a functional, welcoming birdhouse.
Step 1: Choose the Right Design
Start by deciding what type of birds you’d like to attract. Different birds prefer different house sizes and entrance types. A simple, classic birdhouse design makes the project beginner-friendly and works well for common backyard birds like wrens, chickadees and bluebirds. In general, plan for at least a 1-1 2/2-inch entrance hole, a 5-by-5-inch interior space and 2 inches or more of roof overhang.
Step 2: Gather Materials and Tools
Most DIY birdhouses can be built with basic materials and tools you may already have at home, including untreated cedar or pine wood, screws or nails, wood glue, sandpaper and exterior-safe paint as well as a measuring tape, pencil, saw and drill.
Step 3: Measure and Cut Wood
Measure and cut wood to make the front panel, back panel, two side panels, floor and roof. Then sand all edges for smooth assembly.
Step 4: Drill Holes
Using a hole-saw bit, drill the entrance hole into the front panel. Position it a few inches below the roofline to keep predators out. Next, drill 2-3 small drainage holes in the floor piece to prevent water buildup and help keep the birdhouse dry.
Step 5: Assemble the Birdhouse
Attach the side panels to the back panel using screws or nails. Add the front panel then secure the floor piece, slightly recessed, so rainwater can drain. Attach the roof last, making sure it slopes slightly to allow water to run off.
Step 6: Paint the Exterior
If you plan to paint your birdhouse, stick to neutral, nature-inspired colors. Light browns, soft greens or white help regulate temperature and blend into the environment.
Step 7: Mount Your Birdhouse
Once dry, place your birdhouse in a quiet, sheltered spot away from heavy foot traffic. Mount or hang it 5-10 feet off the ground, facing away from prevailing winds.
Visit eLivingtoday.com for more DIY project inspiration.
Photo courtesy of Shutterstock
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Our Lifestyle section on STM Daily News is a hub of inspiration and practical information, offering a range of articles that touch on various aspects of daily life. From tips on family finances to guides for maintaining health and wellness, we strive to empower our readers with knowledge and resources to enhance their lifestyles. Whether you’re seeking outdoor activity ideas, fashion trends, or travel recommendations, our lifestyle section has got you covered. Visit us today at https://stmdailynews.com/category/lifestyle/ and embark on a journey of discovery and self-improvement.
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Arizona Scholarships 2026: $1,500 Awards + Free ACF Virtual Workshops
Arizona scholarships 2026: Arizona scholarships are open through ACF: one application for 160+ awards, plus ARAC’s $1,500 Ashby-Herring scholarships due April 6, 2026.
Last Updated on March 11, 2026 by Daily News Staff
Arizona Scholarships 2026: $1,500 Awards + Free ACF Virtual Workshops
Scholarship season moves fast, and for a lot of Arizona families, the hardest part isn’t writing the essay or gathering transcripts—it’s simply finding the right opportunities in time.
The Archer Ragsdale Arizona Chapter (ARAC), Tuskegee Airmen, Inc. is encouraging students and the community to take advantage of scholarship resources through the Arizona Community Foundation (ACF), including an easy online application that can match applicants with 160+ scholarships—plus virtual workshops where students can get help directly from ACF’s scholarship team.
Whether you’re a high school senior, a current college student, or an adult re-entry student, ACF’s scholarship portal is designed to meet people where they are.
The Big Picture: One Application, 160+ Scholarships
According to the flyer, ACF awarded $6.3 million in scholarships last year, with over 160 scholarships available through a single, easy application.
- Application opens: January 1
- Most deadlines: March and April
- Where to start: https://azfoundation.org/scholarships
- ACF scholarship email: scholarship@azfoundation.org
What to watch for: Even if a student is only targeting one scholarship, completing the ACF application can surface additional matches they didn’t know existed.
ARAC Tuskegee Airmen Scholarship: Ashby-Herring Scholarships ($1,500) — Deadline April 6, 2026
ARAC (Tuskegee Airmen, Inc.) awards two or more scholarships to deserving Arizona students who are college-bound. The flyer highlights the Ashby-Herring scholarships, named in honor of late founding ARAC members who were original Tuskegee Airmen.
Award: Two Ashby-Herring scholarships (each $1,500)
Deadline:April 6, 2026
Apply here:https://www.azfoundation.org/archer-ragsdale
Eligibility:
- Graduating high school senior from Arizona
- Attending a 2-year or 4-year college/university
- African-American
- 3.0 GPA or higher
- Demonstrated financial need
Free Virtual Workshops (Zoom): Get Help With Your Application
If you’ve ever watched a student stall out halfway through an application, these workshops are a smart fix: they’re designed so applicants can work on their scholarship application with support from ACF’s scholarship team.
Workshop dates (Zoom):
- February 12, 2026 — 4:00 to 5:00 p.m.
- March 5, 2026 — 4:00 to 5:00 p.m.
- March 26 — 4:00 to 5:00 p.m. (date listed on flyer; confirm year when registering)
Register here:https://acf.cventevents.com/acfscholarships2026
View the flyer here: https://stmdailynews.com/wp-content/uploads/2026/03/Deadline-updated-12.29.2025-Archer-Ragsdale-Flyer-FINAL.pdf
Download Flyer (PDF)
What to watch for: Register for the dates you can attend and come prepared with what you already have (basic info, activities list, questions). One hour of guided progress can save days of procrastination.
Why This Matters (and Why Sharing Helps)
The Tuskegee Airmen legacy is rooted in excellence, discipline, and breaking barriers—and scholarships tied to that legacy are meant to elevate futures for the next generation.
If you’re a parent, teacher, coach, mentor, or neighbor, consider this your nudge: forward the link, post it in a group chat, or share it with a student who might qualify. Deadlines hit quickly, and the easiest scholarship to win is often the one you actually apply for.
View the press release: https://stmdailynews.com/wp-content/uploads/2026/03/FOR-IMMEDIATE-RELEASE.pdf
Related Links:
- https://azfoundation.org/scholarships
- https://acf.cventevents.com/acfscholarships2026
- https://www.azfoundation.org/archer-ragsdale
College Life
College isn’t just classes and credits — it’s learning how to manage your time, money, health, and relationships while you build a future that actually fits. In our College Life coverage, STM Daily News shares practical, real-world guides for students and families: campus living tips, study and productivity habits, career prep, budgeting basics, mental wellness check-ins, and smart ways to make the most of college in Arizona and beyond.
Expect quick reads, useful takeaways, and “what to do next” advice — whether you’re a first-year student, a transfer, or heading back to school.
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