Hey! It’s An Apple Watch Giveaway! Thanks Beesavy!

Beesavy

For my fellow online shoppers, did you know you can save even more money while shopping online? Not only is it easier to shop online – you can save more money and get paid to shop! Yes – shopping online lets you search for the best deal and when you shop through Beesavy you will earn cash back on all your online purchases. (Also, I’m finding shops on Beesavy that I can’t find through other services… just sayin’  wink)

If you have never been paid to shop online, you are going to love this! It’s just 1 simple and easy extra step and you’re ready to shop. Beesavy keeps track of your purchases and gives you cash back on your purchases. Here are a few examples:

  • Walmart – 2%  of your purchase comes back to you
  • 1-800-Pet-Meds – 7.5% of your purchase comes back to you
  • Best Buy – 1.5%  of your purchase comes back to you
  • Uber – up to $50  of your purchase comes back to you
  • Hotels.com – 2% … and so on
  • Ancestry.com – up to $8.75 … you get the picture

There are over 2,000 of the top online brands where you can earn cash back!

All your purchases will add up and Beesavy will send you money! Use this “free” money to pamper yourself or put it away for a mini getaway.

beesavywatch

How to earn cash back with Beesavy:

  • Click here to join and use the referral code:  AAAAR
  • Then search for your favorite store and make your purchase.
  • The money will be deposited into your Beesavy account and paid out. (Click here to learn more about how you get paid.)

BONUS – If you shop online through Beesavy and you win this giveaway, Beesavy will give you an $50 bonus into your account!

 

Do you want to know what’s even better? Getting paid when your friends shop! And that’s what makes Beesavy’s social shopping concept so unique. Refer your friends to Beesavy and you will earn a 10% cash back bonus whenever they shop! This isn’t a limited time offer, you will earn this bonus forever…there is no limit!

beesavygiveaway

Giveaway Details:

  • Apple Watch + $50 bonus if you have made a purchase through your Beesavy account.
  • Dates: February 7-24 2017.
  • US Only
  • Use this link to join because it is an entry below. Make sure you add code SavingYouDinero

Enter on the Giveaway Tool Below:

No Need To Pay Full Price When You Use Groupon

This is a sponsored post. All opinions are mine.

 

makeup

There’s no reason to pay full-price for your personal care and upkeep when you use Health, Beauty & Wellness Groupons!  As a matter of fact, I found my current hairstylist through Groupon and… due to my loyalty, he has kept my rate the same.  (It helped that I’ve sent a few friends his way toowink.)

Just about every personal care service is listed at Groupon.  You can find health care providers that will help keep you well on the inside, along with professionals providing services to help you put your best face, and body, in the spotlight.

Groupon is also a great place to find gifts for those special in your life.  (We are encroaching on a major “gift giving” season therefore I recommend you search for deals so that you can spread the joy – and your money – farther.)  And once you purchase a Groupon don’t forget about it!  Most have an expiration date so how about getting a folder (I bet you can find a deal for one at Groupon) and keep your printed coupons well organized.folder

If you’ve never visited the Groupon site, don’t be afraid, it’s easy to navigate. All you do is enter your city/state and look for deals in your area.  They also provide great prices on items you can purchase on-line.  It’s a win-win!  Enjoy your shopping and be proud of yourself for saving some money with the help of Groupon.

 

Ice Cream Samples: Do They Cost or Pay Dividends for Shops?

Ice cream - Ann Again and again Reviews
photo courtesy FreeDigitalPhotos.net

While standing in line for a cold, sweet treat my mind started to wander… this time it wasn’t about paying bills, or thinking about what to make for dinner, this time I was getting into the finance of ice cream. Odd, I know. But, what can I say?  I think of when an ice cream shop has dozens of flavors to choose from, it’s difficult for customers to narrow down their choice. A manager might think that giving away free samples is too expensive but, according to Gelato Products, offering a small sample has big potential to improve profit margins. Ice cream samples: Do they cost or pay dividends for shops?

To make sampling a shop’s ice cream easier, order inexpensive tasting spoons that are designed for short-term use. The portion that an employee will serve to a customer provides only one or two bites, making samples affordable.

Fun Tasting Parties

gelato - Ann Again and again Reviews

Ice cream isn’t the only sample that a shop should offer because more customers want to taste gelato before making a purchase. To remain organized, an ice cream shop can buy gelato spoons in different sizes or colors. If customers are tasting samples of gelato and ice cream, then having spoons that look unique to the product can help them compare the flavors of the frozen desserts. With this technique, an ice cream shop can have a fun tasting party for customers to encourage sales of the desserts.

Sell More Product

Gelato or ice cream spoons for sampling might seem expensive, but the items are affordable at bulk prices from a specialty supply store. While the ice cream supplies necessary for providing samples to customers are not free for a manager, the items can help to increase profits because customers want to buy a larger container of their favorite flavor of ice cream or gelato.  And with this summer heat wave?  I know I want all of my cold, sweet treats in the largest container possible!

 

Tips For Safe Shopping Online

Tips For Safe Shopping Online - Ann Again and again Reviews

Online shopping is becoming a progressively larger part of our lives – no wonder with the irreplaceable convenience and great discounts!  I love it! Reductions in many popular stores are only available when purchasing on the Internet, and grabbing some Nordstrom coupons or other promo codes has never been easier with a large selection of coupon services online nowadays. However, the fear that our personal financial information will fall into the wrong hands has never been more real. How can we ensure our safety during an online shopping trip and have safe shopping online? Read on to learn more:

1. Know Your Retailersmoneyinfolder

There are numerous online retailers who have taken the time and effort to build a name and reputation for themselves. But what happens when you decide to stray from the beaten path and offer your business to a newer company? It’s fun to find a new store and share your discovery with your family and friends.  Just make sure you are sufficiently careful and aware. Packaging costs, delivery costs and any additional billing after purchases should be included in a manner that is evident before buying.

You’ll also want to know if you can track the item and if the product comes with any sort of warranty or guarantee.

3. Don’t Use a Site That Is Not Secure

Once you’ve chosen an item, it is time to make sure that the site you are using has been properly secured. Secure Sockets Layer is the most common form of encryption and SSL ensures that your credit card details are not shared with any other party. When you see an extra “s” being added to the http address you’re using, this means that you have entered a secure area. Some browsers will provide a padlock symbol as well.

4. Take The Time To Read The Privacy Policy

In out rush to get the purchasing process over with, we often neglect to read the privacy policy in full. But once you have clicked on the “yes, I agree” box, there is very little recourse if an issue happens to take place. Companies often sneak agreements into these privacy policies that allow them to share your information with third parties. If you have used online shopping retailers in the past and ended up with an inbox full of spam for your trouble, these policies are typically the culprit.

5. Record The Details Of Your Purchase

Once you’ve made a purchase, take a screenshot of the confirmation screen, so that you have proof in case of any future difficulties. You can also print this page off, so that there is no confusion if you need to contact a company representative.

 

The above tips should help ensure that you not only enjoy your “shopping trip” but also have safe shopping online.

 

4 Easy Ways To Cut Spending In The New Year

Photo courtesy of FreeDigitalPhotos.net
Photo courtesy FreeDigitalPhotos.net

The New Year is quickly approaching. (I know, I can’t believe it either!)  This is a perfect time to look for new ways to trim monthly budgets after the added expenses of the holiday season. (Your gift-giving might have been very generous and cutting costs is more of a necessity.  ;-> )  While it may seem hard to decide which monthly expenses to cut back, examining more affordable and convenient options on the market can make the financial decision easier.  Here are 4 easy ways to cut costs in 2016.

From changing light bulbs to switching to a ways to save on even MORE shopping, here are tips on how to save :

  1. Ditch the Cable Company: Canceling cable can save hundreds of dollars a year, thankfully there are alternatives such as Hulu Plus and Netflix that are both only $8/month. Google Chromecast makes it even simpler by wirelessly streaming whatever is playing on your computer or cell phone screen onto your television.
  2. Save but Still Shop: Everyone likes a good deal, but browsing through countless coupon sites can be exhausting. Yipit.com is the Expedia of savings websites, it combines and compares deals from Groupon, Living Social and Goldstar to give the best bargain in the area.
  3. Switch out your Bulbs: Installing CFL (compact fluorescent lights) or LED (light emitting diodes) bulbs can help reduce monthly bills. Energy Star offers a guide to help choose between all of their different bulbs, helping the consumer to pick which would be best suited to their needs. Not only do these bulbs last longer than the traditional incandescent bulbs, they also cost less to operate which saves money over the lifespan of the bulb.
  4. Nix the Gym Membership: Avoid the overcrowded gyms this January by bringing the exercise routine home. Gather some inspiration and try a new fitness regimen without being attached to those hefty membership fees. There are plenty of free apps out there like 7 Minute Workout which offers quick cardio and weight exercises that help people stay on track and keep in shape.

If you have some money saving tips I’d love to hear them!

(*Disclaimer:  This information was provided by GIV Mobile.  I felt it was worthy information to share with my lovely readers.  No compensation was received.)

4 Surprising Ways Your Shopping Senses Are Being Manipulated

I’m sure you’re aware the style of music playing in a store isn’t a mistake.  Classical makes you move slower, browse longer.  When it comes to colors chosen for a restaurant dining room studies show that red makes you hungry, therefore you possibly order more.  Read on to find other ways retailers do their best to manipulate our shopping senses.  (The Ebay one was a surprise to me.  And have you noticed the fragrance of certain departments in stores? And Apple?!  This is good info.  Read on!)

4 Ways Retailers Manipulate your Senses_infographic

 

(*Disclosure:  This information was shared with permission by AlternativesFinder.com.  Aren’t these findings interesting?)

What To Buy And What To Skip This Labor Day!

What To Buy This Labor Day - Ann Again and again Reviews
photo courtesy of freedigitalphotos.net

Will you be perusing the sales this weekend?  There are so many offerings it can get overwhelming on what’s truly a good deal now and what can wait.  Navigate Labor Day sales by learning what to buy now and what to skip to avoid drowning in a sea of bad purchases! Follow this shopping guide from consumer savings expert Andrea Woroch.

Buy: Mattresses

Holiday sales are always a good time to buy big-ticket items like mattresses and furniture. If possible, head to a local furniture or mattress store before the weekend rush to test out different options and research pre-sale prices so you can identify any misleading offers. Macy’s makes it easy to save this year — on Sept. 2, the department store launched a Labor Day furniture and mattress sale when shoppers can reserve their purchases before the sale begins.

Skip: Automobiles

Since Labor Day falls at the beginning of the month, car dealerships are less likely to offer a big discount despite what their banners tell you. A better time to shop for a vehicle is at the end of the month when sales associates are more motivated to negotiate in order to meet sales quotas. Otherwise, hold off until October when dealerships will be pushing excess 2015 inventory at even deeper discounts!

Buy: Summer Clothes

It’s hard to plan ahead to next summer when you’re focused on back-to-school, but now is the time to stock up on warm-weather essentials. Major retailers will reduce already-discounted summer items during the popular holiday shopping event, so look out for deals on swimsuits, sandals, linen suits and other lightweight apparel. Make sure you also look for Labor Day coupons to take advantage of these deep discounts from sites like Coupon Sherpa. For example, you can currently take an extra 25% off clearance items and 20% off sale items with this Lord and Taylor coupon code.

Skip: Back-to-School Apparel

While we’re still in the thick of the back-to-school season, kid’s fall clothing isn’t really a necessity right now as summer temperatures will continue into the first few weeks of the new school year. The best time to buy sweaters, jeans, outerwear and boots is in October. Wait for Columbus Day sales to scoop up the biggest savings!

What To Buy This Labor Day - Ann Again and again Reviews

Buy: Luxury Goods

If there’s a luxury-brand watch or handbag you’ve been drooling over, Labor Day is one of few shopping events during which you may score a lower price. Like other apparel and accessory retailers, luxury brands need to clear out summer inventory to make room for fall must-haves. Make sure you compare sales before you buy, and check out sites like TheRealReal.com for designer goods at cut-rate prices.

Skip: Halloween/Harvest Decor

Though summer isn’t technically over until later this month, retailers are already promoting fall in a big way with Halloween and harvest-themed decor lining store shelves. While you may see a small discount on these decorations, don’t let the temptation of the season entice you to buy just yet. In fact, the best time to buy Halloween decor is the last couple of days before the big event.

Buy: Outdoor Entertaining Essentials

The season for backyard parties and barbecues may be coming to a close, but that doesn’t mean you can’t outfit your outdoor oasis with new entertaining essentials. End-of-season sales will offer savings of 40 to 60 percent on grills, patio furniture, umbrellas and servingware. In addition to in-store sales, make sure to look for these big-ticket items online, too: Overstock.com, for example, is offering up to 70% off outdoor furniture and decor, with many items shipping free.

Skip: TVs

On the cusp of football season, retailers are promoting some seemingly good offers on TVs to help shoppers kick off the opening game with a new big screen. However, the best two times to buy a new TV are during Black Friday weekend and at the end of January in time for Super Bowl. If there’s a certain model you’re eyeing, keep tabs on sales using TrackIf.com so you don’t miss out when the price drops.

Buy: Luggage

With the busy travel season behind us, you’ll find a bevvy of deals on travel goods like suitcases, duffle bags and other accessories. Look for deals on luggage sets to get the best bang for your buck. You’ll save even more by shopping online, so compare prices using PriceGrabber.com and scope out deals at sites like eBags.

Skip: Smartphones

Apple will likely release the newest iPhone on Wednesday, September 9, so hold off until this news is announced before updating or buying a new smartphone. Once the latest device is released, you’ll find huge discounts on old iPhone models, plus additional savings on Android devices competing with Apple to make sales.

 

(Shared with permission.  Andrea Woroch is a money-saving expert who transforms everyday consumers into savvy shoppers by sharing smart spending tips and personal finance advice. As a sought-after media source, she has been featured among such top news outlets as Good Morning America, Today, CNN, Dr. OZ, New York Times, MONEY Magazine, Consumer Reports, Forbes and many more. In addition, Andrea’s stories have been published among leading publications and sites such as Yahoo!, AOL Daily Finance, CNN Money, Huffington Post, LearnVest and New York Daily News. Check out Andrea’s demo reel or visit her website at AndreaWoroch.com for more information about booking an interview or requesting an original written article. You can also follow her on Twitter or Facebook for daily money tips.

For all media inquiries, please contact Andrea Woroch at 970-672-6085 or email andrea@andreaworoch.com

5 Ways To Scrub Down Your Spending

5 Ways To Scrub Down Your Spending

 

There’s something about Spring that makes you want to start fresh.  Clear the clutter from your home, your mind and prepare for a shiny season.  That’s me, anyway.  What about you?  When I start looking over all of the things I’ve purchased – and hardly used – I see dollar signs floating out the window.  What a waste!!!  Here is a list of 5 ways to scrub down your spending so hopefully we can all think twice about our purchases and be wiser.

1. Polish Your Budget

As a rule, you should be reviewing your budget frequently. Spring is a great time to take a comprehensive look at where your money is going and make changes to meet your goals. You might find a recurring membership or subscription is no longer necessary, or that you’re spending way more than you realize on dining out or retail therapy. Ultimately, digital tools like Mint will help you quickly identify areas for improvement.

2. Eliminate Impulse Buys
Making unnecessary purchases represents a huge leak in your budget and must be plugged immediately! Recognize when you’re most likely to make an impulse buy, and on what; do you always grab a treat at checkout, or find yourself at the department store after a stressful day at work? If so, eat something before running errands and call a friend or go for a long walk to blow off some steam (without blowing up your bank account!).

3. Scour for Savings
By now, most consumers realize paying full price for anything is pretty foolish. Eventually, everything goes on sale, whether it’s a car, big appliance or the latest fashion trend. Before you buy anything, always look for a coupon or discount to reduce the cost. This can be as easy as finding a coupon code through sites like CouponSherpa.com, or holding off for a big sale weekend or end-of-season clearance to make your purchase.

4. Uncover New Strategies
In addition to coupons and sales, there are several ways to save money on purchases, and now is a great time to add them to your arsenal. While shopping online, you can use Ebates to earn cash on items you already plan to buy. Discount gift cards represent a great way to enhance savings, especially when you shop for the deepest discount through sites like GiftCardGranny.com.

5. Soak Up Rewards
Many of us use credit cards on everyday expenses to rack up reward points and offset travel plans or earn gift cards. This is a great strategy (as long as you pay off those balances!) but it’s hard to know which credit card will give you the most rewards for specific purchases. Enter Wallaby, a digital tool that analyzes your credit cards and recommends the best card to use to optimize rewards.

 

(*I was presented with these ideas and thought it important to share this information, provided with permission by:

Andrea Woroch is a consumer and money-saving expert for Kinoli Inc. From smart spending tips to personal finance advice, Andrea transforms everyday consumers into savvy shoppers. As a sought-after media source, she has been featured among such top news outlets as Good Morning America, Today, CNN, Dr. OZ, New York Times, MONEY Magazine, Huffington Post, Forbes and many more. For more information, visit AndreaWoroch.com or follow her on Twitter for daily savings advice and tips.

Easy Returns With ReturnSaver And $150 American Express Gift Card Giveaway!





This information is brought to you by ReturnSaver.com. All opinions are my own.

Enter to win a $150 American Express Gift Card at AnnAgainAndAgainReviews.com !

Honestly, I would much rather shop online than go shopping at a mall.  I like to do online research, see what reviews the item’s received then have it conveniently shipped to me.  Trying things on is definitely more pleasant in the comfort of my own home.  Do you like to shop online? Or do you prefer to venture out? Do you find drawbacks of shopping online?

Shopping online is so easy and it can save you so much time and money. You don’t have to drive around to several stores wasting your gas, you can find extra coupons to save some money, and with a larger selection of sizes and colors, you’re sure to find your perfect pick!

But what happens when your perfect find arrives and it doesn’t fit right or it doesn’t look like it did online? Warning: Most of the time, the retailer makes you pay the return shipping. So you have three options: pay the shipping charges to send the order back; return it to the store (if that’s even an option); or keep it and lose money. Return shipping costs can rack up and take away from the good deal you had in the first place!

Let’s face it — none of those sound like great options. Any way you slice it, you lose. If you love to shop online but hate the hassle of the return process, here’s your solution: Meet ReturnSaver.com. Get the wrong shoe size, or maybe your child’s toy wasn’t quite right? No problem! With Return Saver, all your returns are now stress-free. All Return Saver members need to do is follow the store’s return policy and ship it back, via FedEx Ground®, for free! No need to be scared to buy something because of the pain of returning it. Return Saver members can return an unlimited number of their online purchases every year — to any online retailer!

Enter to win a $150 American Express Gift Card at AnnAgainAndAgainReviews.com !

Members benefit from the world-class service and reliability of FedEx Ground®, the exclusive shipping carrier for Return Saver, meaning they can track their packages and relax knowing their returns are in good hands.

Great new, too: I have an exclusive offer for you! Normally this program goes for $49/year, but for a limited time, my readers can enjoy this time- and money-saving service for only $39/year! Click here to sign up and stop worrying about return shipping costs!

Enter to win $150 American Express Gift Card at AnnAgainAndAgainReviews.com !

How It Works in 3 Easy Steps:

  1. Create – Log in to ReturnSaver.com and fill out a simple return label form in under a minute.
  2. Print – Attach the prepaid return shipping label to the package.
  3. Ship – Go to any FedEx location to return your purchase.

Sounds easy — because it is! With ReturnSaver.com, you never have to worry about return shipping costs while shopping online ever again. If something does not meet your expectation, you can easily return it!

Enter to win a $150 American Express Gift Card at AnnAgainAndAgainReviews.com

Now for the giveaway! To help you get started on your worry-free shopping, ReturnSaver.com is giving 1 lucky reader a $150 American Express Gift Card. Just enter on the Rafflecopter form below. The giveaway runs from March 2 at 12:01am EST – March 16, 2015 at 11:59pm EST. It is open to US residents only.

a Rafflecopter giveaway


 

This information was provided by ReturnSaver.com and SavingYouDinero.com. Ann Again and again Reviews is not responsible for fulfilling the prize.

How to Finance a New Home

Image courtesy of FreeDigitalPhotos.net

A very happy change is coming to a member of my family.  The purchase of a new home!  Not only will there be a new year to welcome, a new address and neighborhood is coming into the mix.  Have you been looking for a new place to call your own?  If you are considering buying a new home, you have several different options for getting a home loan. With a little research you can find the perfect loan for you. Some of the most common home loans are:

Federal Housing Administration (FHA) Loan

The FHA will insure certain home loans in the event that the borrower cannot repay it. For this type of loan, you’ll give a lower down payment than for a traditional bank mortgage. Your down payment may be only 3.5 percent, which is great compared to the usual 20 percent. Along with this benefit, it is also easier to qualify for an FHA loan than for another type of loan. You can also use an FHA loan for refinancing even if you don’t have a stellar credit rating.

Conventional Home Loans

There are two types of conventional mortgages including the fixed-rate and the variable-rate. Each of these options has advantages and disadvantages, and a loan advisor can tell you which the best is for you.

A fixed-rate loan has a fixed rate of interest that does not change even if interest rates for other loans change. This means, if the interest rate goes up, you still pay your lower fixed-rate. You have a predictable payment every month. This is the best option if the loan can be secured at a low interest rate and if you plan to keep your home for more than five years. It is also possible to get refinancing to change a variable-rate loan to a fixed-rate loan if interest rates are lower than when you secured your fixed-rate loan.

The interest rate for a variable-rate loan will go up and down as interest rates change. Also called adjustable-rate mortgages (ARM), they usually start at a low interest rate, often lower than a fixed-rate loan. As the interest rates chance, your monthly payment will also change. This may be a good option of you plan to sell your house within the next five years or expect interest rates to significantly drop.

Loans for Veterans

The Department of Veterans Affairs (VA) gives home loans to veterans with no down payment. They are easy to qualify for and are usually quickly approved. They can also be fixed-rate or ARM loans.

There are several options that make buying a home easier than ever. You can discuss your financial situation with an expert on loans and find the right one for you.  And soon you could hear – Welcome Home! :->

5 New Money Saving Tips For The New Year

Photo courtesy of FreeDigitalPhotos.net
Photo courtesy FreeDigitalPhotos.net

The New Year is quickly approaching.  This is a perfect time to look for new ways to trim monthly budgets after the added expenses of the holiday season. (Your gift-giving might have been very generous and cutting costs is more of a necessity.  ;-> )  While it may seem hard to decide which monthly expenses to cut back, examining more affordable and convenient options on the market can make the financial decision easier.

From changing light bulbs to switching to a no-contract cell phone provider, here are 5 easy ways to cut costs in 2015:

  1. Choose a No-Contract Cell Phone Plan: While having a cell phone is a part of everyday life, GIV Mobile turns cell phone service into a “tool for good” with their affordable no-contract plans that donate 8% of every customer’s bill to charities of their choice. They offer a variety of devices, even allowing customers to bring in their own unlocked phones to use with their five “Unlimited” plans that start at $20/month all on T-Mobile’s reliable network.
  2. Ditch the Cable Company: Canceling cable can save hundreds of dollars a year, thankfully there are alternatives such as Hulu Plus and Netflix that are both only $8/month. Google Chromecast makes it even simpler by wirelessly streaming whatever is playing on your computer or cell phone screen onto your television.
  3. Save but Still Shop: Everyone likes a good deal, but browsing through countless coupon sites can be exhausting. Yipit.com is the Expedia of savings websites, it combines and compares deals from Groupon, Living Social and Goldstar to give the best bargain in the area.
  4. Switch out your Bulbs: Installing CFL (compact fluorescent lights) or LED (light emitting diodes) bulbs can help reduce monthly bills. Energy Star offers a guide to help choose between all of their different bulbs, helping the consumer to pick which would be best suited to their needs. Not only do these bulbs last longer than the traditional incandescent bulbs, they also cost less to operate which saves money over the lifespan of the bulb.
  5. Nix the Gym Membership: Avoid the overcrowded gyms this January by bringing the exercise routine home. Gather some inspiration and try a new fitness regimen without being attached to those hefty membership fees. There are plenty of free apps out there like 7 Minute Workout which offers quick cardio and weight exercises that help people stay on track and keep in shape.

If you have some money saving tips I’d love to hear them!

(*Disclaimer:  This information was provided by GIV Mobile.  I felt it was worthy information to share with my lovely readers.  No compensation was received.)

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 Bluebird.com.  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!   www.bluebird.com

 

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 Bluebird.com, 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 bluebird.com 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.)

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 Bluebird.com. 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.)

Back-To- School Spending Easier To Manage With Bluebird From American Express and Walmart

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Ann Again and again Reviews Bluebird by American Express and WalMart

Ann Again and again Reviews Back To School Royalty Free Stock Images - Image: 10434419

As our family counts down the days of Summer time fun I have my eyes on ads for Back-To-School deals.  ‘Tis the season to buy packs of pencils, stacks of notebooks, grand entrance tops and shiny shoes.  (My youngest loves anything with sparkles.)  Are you all set with your Back-To-School shopping?  Getting organized with spending is an important thing to do, and a continuous lesson no matter what your age.  My 15 year old is becoming comfortable shopping with out me, and going to the mall with her friends.  (Do I hang behind and shadow them?  Um, well… yes.  Yes I have.  But any way.)  I don’t feel entirely comfortable handing over my debit card for these shopping trips and cash isn’t something I always have on hand.  Recently I was introduced to a way to manage spending that will not only help keep us within our Back-To-School budget, it will also allow me to control spending in a way I’ve never seen before – Bluebird by American Express and Walmart.

Ann Again and again Reviews Bluebird by American Express and WalMart

Now that my oldest daughter wants to go shopping with her friends this is going to be a different shopping season for me.  She wants to be in charge of things on her Back-To-School list.  Responsibility is a good thing and I need to do my best to embrace this choice, no matter how much it tugs at my heart. Growing up!  It’s inevitable, right?  Does your child(ren) like to go shopping without you now too?  What age were they when they asked “Mom, can you take us to the Mall?  Oh, and you don’t have to stick around.”  *heavy sigh*

The more I learn about Bluebird the more comfortable I am that spending will be under control.  I found signing up for a Bluebird account to be quick and easy.  With your Bluebird account you receive a card that you load with whatever dollar amount you like.  This account can also have 4 sub accounts, and each sub account receives a card with the persons name on it. Within these accounts you can set a daily spending limit, turn ATM access on or off and receive spending alerts.  All of these functions can be performed on-line or from your smart phone.  I will be setting the spending limit and I will be able to see where the money is being spent.  We’re beginning our Back-To-Shopping so I’ll be sharing more of our Bluebird experience with you.

What ways do you keep your Back-To-School spending in check?

To learn more about Bluebird please click this link:  https://www.bluebird.com/#why-bluebird

 

(*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.)