1. Choose an affordable location: Hawaii has several islands, from the most expensive like Oahu and Maui to more affordable options like the Big Island. Do your research and prioritize living in a more cost-effective area.

2. Downsize your living space: Look for smaller houses or condos that meet your basic needs. This will help you save on rent or mortgage payments as well as utilities.

3. Eat like a local: Learn to cook and enjoy local produce, which is usually cheaper and fresher. The farmer’s markets in Hawaii are great places to find affordable and quality ingredients.

4. Embrace public transportation: Save money on gas, car payments, and maintenance by using public transportation or walking/biking when possible.

5. Limit expenses on leisure activities: Find free or low-cost entertainment options such as parks, beaches, hiking trails, or local events.

6. Shop at discount stores: Save on groceries and household items by shopping at stores like Walmart, Costco, or local discount stores.

7. Utilize senior discounts: If you’re eligible for senior discounts, make sure to take advantage of these opportunities to save money at restaurants, attractions, and more.

8. Consider shared housing: If you’re open to it, sharing a house with another retiree can significantly reduce your living expenses.

9. Plan your travel wisely: Look for deals on airfares, accommodations, and car rentals during off-peak seasons or through package deals.

10. Save on energy costs: Investing in energy-efficient appliances and habits will help reduce your utility bills over time.

11. Grow your own produce: Hawaii’s fertile soil makes it easy to grow your own fruits and vegetables right in your backyard – saving you money on groceries.

12. Join community programs: Many towns have community centers that offer free classes, activities, or events for locals – take advantage of these opportunities to socialize and stay active without breaking the bank.