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Going broke in your golden years is commonplace, lasts a long time and is a scarier nightmare than any Halloween horror film. But by changing habits and doing some smart planning, you can avoid that terror.

Here are my suggestions:

Cheaper housing

Cutting big, unnecessary expenses is a better place to start.

For many, the best savings trick is leaving a big city. Housing, restaurants, groceries and basic services typically get cheaper the farther you get from a metropolitan center.

In Seattle, for example, a three-bedroom home can cost $1 million or more, according to Zillow. In nearby Duvall, Washington, you get that house plus a nice yard for half a million or less. Renting a three-bedroom Seattle pad typically costs $3,500 a month or more. In the suburbs? Try $2,200. That’s over $15,000 in annual savings.

Look up housing costs in any major city and its suburbs. You’ll see similar trends. In California, you get more for your buck in San Ramon than in San Francisco. Santa Clarita is hugely more affordable than Los Angeles.

Round Rock, Texas, beats Austin. Garden City, New York, beats Manhattan. Move farther out, to true rural America, and you can cut housing costs by half again, easy.

Can’t give up urban living? Consider moving to a cheaper metro area.

According to SmartAsset’s analysis, a $1 million retirement fund lasts just 10.5 years in Manhattan. San Francisco is nearly as bad, just 12.7 years.

But in some big cities, your buck stretches further. In Denver, your $1 million savings could last 21 years. West Coasters might also try Phoenix, where $1 million lasts over 25 years.

Cut entertainment spending

If you don’t want to leave family, friends or community, there is another big, easy way to save: Slash entertainment spending. Few folks fully understand what they waste unconsciously. It’s estimated that people aged 65 to 74 spend $5,832 annually on play. For a couple, that’s around $11,000. One reason it gets out of hand? In retirement, you jump from one or two leisure days a week to seven.

But there is a lot of free and cheap fun. Consider your local Shakespeare in the Park instead of spending hundreds for “Hamilton” tickets. Have picnics or experiment your way through a new cookbook instead of eating out regularly. While watching TV, make sure you actually use services you subscribe to. Many subscribe to things (streaming, gyms, wholesale retailers, etc.) they rarely use.

Rethink your old budget

Central to all this: Plan to change your habits, which can become our real Halloween goblins. Humans are habitual creatures, and our routines keep us spending the way we did before.

Just as important as avoiding old routines is setting a budget. Then stick to it. Keep records of your spending. Hold yourself accountable. Don’t forget to plan for the unexpected! Many folks forget to factor in wiggle room for car or home maintenance.

Budgeting and penny-pinching may not sound fun. But it beats the terrifying misery of going broke in old age. A little planning goes a long way later.

Title: Three tips to avoid terror of 1. out of money in retirement
Tip1:Reduce housing expenses	Housing expenses differ greatly because of different 2. of the houses. ◇The farther you are away from a metropolitan center, the smaller your expenses are. ◇Housing costs are higher in any major city than housing costs in its suburbs. For example, you’ll spend 3. if you choose to live in Manhattan rather than in Garden City, New York. ◇A $1 million retirement fund can 4. out twice longer in Denver than in Manhattan.
Tip2: Spend less on entertainment	Free and cheap fun helps. ◇One reason why retired folks can’t 5. the amount of money on entertainment is that they have 7 days’ free time every week while they had only one or two leisure days when they were 6.. That means they have more opportunities to spend their money. ◇Avoid 7. to the TV services that you seldom use.
Tip3: Think 8. about your old budget	Avoiding old routines and setting a budget are of the same importance. ◇It’s important to make 9. to your old routines. ◇10. aside some money for unexpected things, such as the expenses to maintain your car and home.