Managing Students Spending With Help From Bluebird Debit Card From American Express And Walmart

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Bluebird from American Express and WalMart - Ann Again and again Reviews

Ann Again and again Reviews Bluebird debit Card from American Express

While visiting the lovely beach town Oceanside on the Oregon Coast I looked down on the gravely sidewalk and found a $5 bill.  After I picked it up I looked around for anyone that might be searching their pockets, looking for money that wasn’t where they thought it was.  When I got back to the car I told my girls what I found and without skipping a beat I hear “Can I have it?!”  We visited a store later and my 15 year old found a little bear that touched her heart.  She asked “Mom, can I get this?  It’s only $5 and that’s what you just found.”  I handed her the bill and said, ‘Here.  This is yours now.  And don’t you have an event coming up that you wanted money for?  Do you want to save?  Or, do you want that bear?’  She didn’t buy the bear.  Funny, when it was my money spending it was no big deal but, when it was her money, the bill stayed in her pocket.

Learning money management is an on-going, daily lesson, no matter what age you are.  A recent study showed:

Concerns over Money Management

  • Parents and students align when it came to concerns about money management and overspending:
    • 60 percent of parents concerned that their child will spend more than is available
    • 80 percent of students worried that they will spend more than is available
      • However, while more than half of parents believe their children are still learning about responsible money management, more than half of students think they actually handle money well.

Students Believe they are Equipped to Manage Their Own Money:  More than one-half (54%) of students say they manage their money very well – fewer parents concur (44%).  Most parents say their child entering college this fall is OK at managing money – they are currently learning.

  • Students Don’t Want to Go Over Budget: Eight-in-ten students are concerned (very or somewhat) with having money readily available for an emergency (81%), spending more than they have or staying within budget (80% each).   

Bluebird from American Express and WalMart - Ann Again and again Reviews

With regard to this survey I am even more pleased with the Bluebird debit card from American Express and Walmart.  I signed up for an account in my name and one for my 15 year old daughter as well. I was concerned about over draft fees and found that Bluebird has no over draft fees.  I had to call and clarify if what I was reading on their FAQ page was true and yes, it’s true.  I asked, ‘So, for example, if my student thinks she has $20 in her account and only has $18 there is no overdraft fee?”  They said, “That’s right.  When you make another deposit to her account we will deduct the $2.00 to make up the balance.”   The benefit of using the Bluebird debit card increased for me after this call.  My daughter is excited about her financial responsibility and I feel more secure about this next step.

Bluebird from American Express and WalMart - Ann Again and again Reviews

I have been able to easily access our accounts on-line, adding and/or transferring funds quickly.   When my daughter makes a purchase I can see on-line where the purchase was made, and for how much.  For the beginning stages of money management this is a great tool.  And, when I have questions that need more clarification I give them a call.  I have received prompt attention by a live person on the other end of the telephone.  A real person.  My call to them just yesterday (I have a lot of questions ;-> ) the representative wasn’t sure he had the correct information and found a Supervisor who could help me.  I have made 4 calls to Bluebird, some to clarify what I was reading, some to find out more information,  and every call has been a positive experience.

I believe Bluebird debit card from American Express and Walmart is a smart move.  You can sign-up for a card free of charge on-line at  Or, you can go to your participating Walmart and receive a starter kit for $5 and begin your account at that very moment.  If you do sign up for a Bluebird account please come back here and share your experience!


About The Survey

The American Express Bluebird College Survey was completed online among a random sample of 502 college students (who will live at college this fall) and 507 parents of college students (who will live at college this fall).  The research survey was conducted online by Ebiquity between July 18 and 23, 2013.  Overall, the results have a margin of error of +/- 4.4 percentage points at the 95 percent level of confidence.

About Bluebird

Bluebird – an alternative to debit and checking accounts from American Express and Walmart– was designed to help parents and their children better manage and control everyday finances together. Signing up is easy:  Consumers can sign-up for free on, or choose to buy a $5 account set up kit at a local Walmart for immediate use (with limited functionality). The set up kit includes a starter card, which can be funded with cash or a debit card at the register with any dollar amount between $1 and $500. Once funded, the starter card can be used immediately anywhere in the United States where American Express Cards are accepted. Customers must then complete their account set up at in order to access the full features and benefits of Bluebird, as well as receive their personalized Bluebird card.

American Express is a global services company, providing customers with access to products, insights and experiences that enrich lives and build business success. Bluebird is a prepaid access account issued by American Express Travel Related Services Company, Inc.

(*Disclosure:  In adherence with FTC and WOMMA guidelines I am being compensated for my participation in the American Express and WalMart Birdbird program.  My opinions are truthfully  my own.)

Grace Hightower & Coffees of Rwanda – "LOVE"

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Providing trade not aid to the people of Rwanda - Coffee of Grace

Providing trade not aid to the people of Rwanda - Coffee of Grace

“Rwanda needs trade not aid”.  These words by Rwanda’s President Kagame resonated with Grace Hightower and she went to work on what she could do to help the people and the beautiful land of Rwanda.  Please watch this video (link below) to learn more about Grace Hightower & Coffees of Rwanda – “LOVE“.   (A very lucky Ann Again and again Reviews reader will win bags of coffee made from Coffees of Rwanda.  Enter at the end of this post :-> )


Grace Hightower is a philanthropist, actress, singer and the wife of actor Robert De Niro.  Grace Hightower & Coffees of Rwanda was launched in 2013 with the mission of improving Rwandan livelihoods by marketing their products internationally.

Providing trade not aid to the people of Rwanda - Coffee of GraceGrace Hightower & Coffees of Rwanda have been featured on The View, FORTUNE, Wall Street Journal, New York Times, Worth Magazine and more.  The coffee is available in 4 blends. From dark roast to light, with variations of chocolaty to citrus flavor notes.  These coffees are available at specialty stores including Whole Foods and on her site

To thrive on this planet I believe we must nurture, we must support, we must help each other in positive, peaceful ways.  I hope you enjoyed the video.  And if you choose to enter the giveaway, good luck! :->
a Rafflecopter giveaway


(*I am sharing this information with my lovely readers because I believe in the message.  No compensation has been received.)

Groupon – Sephora Deal of the Day $5 For A $10 eGift Card

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Sephora - Groupon Deal of the Day
Spend $5 receive $10 in Sephora product

Groupon - Sephora Deal of the Day

Act quickly for this great offer from Sephora!   Spend $5 and receive $10 eGift card from Sephora.  

The Deal

  • $5 for $10 worth of cosmetics, skincare, haircare, and fragrances
  • Can be used in store, online, via mobile devices, or at any Sephora inside JCPenney.

Visit  Groupon – Sephora Deal of the Day to get your deal on!


Tummy Tuck Belt – My Honest Review

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Tummy Tuck Belt - Ann Again and again Reviews

Ann Again and again Reviews - Tummy Tuck Belt

Honesty is the best policy, right?

I was given the opportunity to review the Tummy Tuck Belt and I’ve given it my best shot, I really have, but this just isn’t a good product for me.  I found it difficult to put on/take off and the idea of the Thermal Accelerating Cream needing to stay on your skin for 2 hours to get its full effect, isn’t convenient.  Here’s my full review:

This “miracle slimming system” takes 10 minutes two times a day and the instructions are easy to remember:

  • Apply the Thermal Accelerator Cream to your stomach
  • Put the belt on (over your head, or step into it) and do 2 minutes of abdominal exercises from the instructional DVD
  • For the remaining 8 minutes keep the belt on and do whatever you want, read a book, take the dog for a walk, blog ;->

Included in the Tummy Tuck Miracle Slimming System is a very helpful ‘Quick Start Guide’.  It is full of quality information on guiding you toward understanding food and how certain choices pertain to a healthier lifestyle.  It contains meal plans for men and women, education on foods and how they react to the body and motivation to keep you on a positive, healthier path.  The Quick Start Guide is the best part of this package.

I did the Tummy Tuck Belt regime for a week and a half.  Yes, only a week and a half.  Now, I wasn’t expecting a “miracle” in that time frame but my stomach muscles did benefit from the standing contracting exercises. (Exercise!  Get it?)  Here’s the thing, putting on the belt.  Ugh!  If this belt was easier to put on I would have continued with this program and I’m sure my stomach would have become some what flatter.  But I just couldn’t take it any more!  I prefaced I was going to be honest.  Just do crunches already.

Two times a day of struggling to pull this belt over my shoulders, over my boobs, and then unroll it from its struggles to get it to lay flat was beyond a pain!  And there was absolutely no way I could put it on by stepping into it and pulling it over my thighs. Velcro!  What this product needs, in order for me to use it, is Velcro.  And the Thermal Accelerator Cream?  The directions say to leave this on for at least two hours, then wash off.  So, lets say you exercise with the belt on, there is no way I’m going to wait two hours to take a shower.  Or, if you wear it for the 10 minute TTB exercise video, you get to set your timer – twice a day – to wash it off.  Seriously? The cream doesn’t sting, there is a faint scent, it didn’t stain my clothes.  But as I’ve said – Just do crunches already!

So, there you have it.  I’m sure this item will help those that are willing to put it on.  All it truly is good for is a compression garment.  It isn’t easily detectable under a t-shirt, so if you choose to wear it for a quick slimming effect, it will do the trick.

(*Disclosure:  I was provided product for my review.  My opinions are truthfully my own.)

My Daughter's In Control of Her Back-To-School Spending With Bluebird from American Express and Walmart

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Bluebird debit card from American Express and WalMart - Ann Again and again Reviews

School begins in two and a half weeks so my little High School Sophomore Katie and I are beginning to get her necessary supplies. I feel it’s important that she learns how to plan and budget, so she’s taking more of the lead with her back-to-school purchases this year. I’ve been introduced to a new service offered by American Express and Walmart that will help make budgeting and tracking of expenses easier, Bluebird, the checking and debit alternative from American Express.

Bluebird from American Express and WalMart - Ann Again and again Reviews

Funds can be loaded to the account at any participating Walmart or conveniently accessed online at I can load any dollar amount I want into her Bluebird account, watch her spending practices and, if there’s some spending going on that I’m not too sure about, I can also stop the spending functionality of the account as well. (‘You’re trying to buy $50 worth of candy? Um, I don’t think so.’).

Bluebird from American Express and WalMart - Ann Again and again Reviews

Bluebird from American Express and WalMart - Ann Again and again Reviews

Katie’s finding that she’s misplacing her favorite mechanical pencils way too often so she’s learned to load up when she spots a good deal. Is there any particular school item your child(ren) seem to misplace? (Are the pencils at a party with the un-matched socks?)









Bluebird from American Express and WalMart - Ann Again and again Reviews


Composition Books are a must in High School so she’ll load up on those as well. Last year I thought I bought too many but no, I had to buy more mid-way through. Did your school supply list make it to the end of the year? Or, did you have to restock too?







So far so good on the school supplies. There’s more on the list but we’ll save that for after lunch. I am very grateful that my Katie doesn’t have the “shopping gene”.


I have to say I am really happy with the Bluebird account and it’s functionality. This has become the way we pay Katie her allowance. I don’t always have cash on hand and making a trip to the ATM isn’t always convenient. When it’s time, we load money onto Katie’s Bluebird account through on-line transfer and then it’s up to her to budget her spending. No monthly fees, no overdraft charges. Funds can be loaded online through a bank account such as a savings or checking account, debit cards, direct deposit, remote check capture via the mobile app and cash loading at Walmart registers. Pretty cool.

There are more offerings and benefits from using the Bluebird account. I’ll be sharing those with you on my next update. To read more about Bluebird from American Express and Walmart visit: Bluebird by American Express


(*Disclosure: In adherence with FTC and WOMMA guidelines I am being compensated for my participation in the American Express and WalMart Birdbird program. My opinions are truthfully my own.)

40% Off Coupon Code For Nature's Sleep Faux Down Pillow

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Nature's Sleep Faux Down Piillow 40% Off Code at Ann Again and again Reviews

Have you ever considered the importance of a pillow? We spend about 1/3 of our life resting on our pillows. Pillows are designed to ensure comfort and correct spinal alignment throughout the night. A bad pillow can cause neck and back pain, as well as shoulder numbness. Traditional pillows should be replaced every year to year and a half. It may be time to replace your pillow sooner if it has gone flat or no longer supports your head or body as well as it should.

Nature's Sleep Faux Down Piillow 40% Off Code at Ann Again and again Reviews

Memory foam pillows provide optimum support for your neck and head while softly caressing both. Nature’s Sleep offers a variety of memory foam pillows. Whether you are a side, back, or stomach sleeper you are sure to find your perfect pillow at Nature’s Sleep.

Starting today, you can purchase a FauxDown Pillow for 40% off!

The faux down pillow is referred to as the “teddy bear” of pillows. This pillow is filled with micro-gel fibers to keep you cool and comfortable through the night. This pillow is great for side or back sleepers, or anyone who simply wants a “huggable” pillow! This allergen resistant pillow includes a washable cover. Try one today, you’re sure to love it! Save 40% on your Faux Down Pillow purchase by using code FAUXDOWN40 at checkout. Sale runs from August 11, 2013 to August 17th,2013. U.S. only.

Fysiko Eye Lash Serum – My Results After 16 Weeks

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Ann Again and again Reviews My Results After 16 Weeks of Use Of Fysiko Eyelash Serum


Ann Again and again Reviews Fysiko Eyelash Serum

For my review of Fysiko Eyelash Serum I agreed to post my results after 16 weeks of use.  Check out my results!

Ann Again and again Reviews Fysiko Eye Lash Serum Before Image
Sad, little lashes before using Fysiko

In the above photo you see my lashes from my post “The Beginning Of My Fysiko Eye Experience” from April 28th.  And now, the results after 16 weeks using Fysiko Eyelash Serum:


Ann Again and again Reviews Fysiko Eye Lash Serum After Image
After 16 weeks of use of Fysiko Eyelash Serum

The Serum was very easy to apply with the delicate brush applicator.   The serum was not irritating to my eyes and I did not experience any ill side effects.  In fact, it felt like I was applying water to my lash line and it made me curious if I was given a placebo for my review.  But nope!  I could see that my lashes were growing and my need to use mascara was becoming less and less.

Ann Again and again Reviews Fysiko Eye Lash Serum
After 16 weeks of Fysiko Eyelash Serum – No mascara was used to enhance the appearance of my lashes

After 16 weeks I still have product in the bottle.  Fysiko Eyelash Serum is made with all natural ingredients and doesn’t require a prescription, unlike another eyelash serum available (Latisse). Fysiko retails for $139.00. (.27 oz.)  I think of it like this, the cost of my co-pay to the doctor is $25 and the research I’ve found on-line of the cost of the competitor is from $100 to $125.  For this price I come out about even, without a drive to the doctor, and I’m using a product that works!

The first five ingredients:  Water, Glycerin, Hydrolyzed Glycosaminoglycans, Panthenol (Vitamin B5) Vitis Vinifera (Grape) Seed Extract.  It includes natural lash enhancers:  Vitamin E, Olive Oil, Thyme, Biotin and Soy Protein.

To purchase Fysiko Eyelash Serum please visit:

Ann Again and again Reviews My Results After 16 Weeks of Use Of Fysiko Eyelash Serum


(*Disclosure:  I was provided product for my review and compensated for my participation in this review.  My words and opinions are truthfully my own and my photos have not been retouched or exaggerated.)