American Express Prepaid Cards Can Help Ease Budgeting Woes

In my house, I am the "adult", therefore it's my responsibility to budget the money. Sure, my husband is the one who brings home the paycheck, but I am the one who decides where the money needs to go and when. So at any given time, I have to know what our account balance is. My husband has a habit of making small, random purchases throughout the week, and he never even knows if we can afford them! A few dollars here and a few dollars there can really add up! Thankfully, he will usually call and ask "Hey Honey, so we have money for me to grab a mocha-frappa-whatsit today?" I am then left scrambling to the computer to check our balance and make sure that the weekly budget allows for this little splurge. While Dan's little impulse buys haven't overdrafted us yet, I know that they very easily could. That would mean hefty overdraft fees! And no one likes those!

That's why I was excited to learn about the new Prepaid American Express Cards. These cards are perfect for families who want to keep more control over their budget without having to worry about activation or monthy fees. As a matter of fact, there are some wonderful benefits to carrying this card instead of wads of cash. When carrying cash, it's often difficult to keep a tally of spending. This often results in overspending! In today's economy, having control over one's finances is imperative. With the American Express Prepaid Card, you always have complete and total control over your account.

By using the American Express Prepaid Card, you take control over weekly or monthly spending. You can create and manage additional user cards for others, so you can leave one with the babysitter, with a child to use during emergencies, or even for your Starbucks craving husband with no worry about overdrafting your account.Why? Because YOU are in charge of loading funds onto the card, and you can put any amount that is affordable at the time onto the card. The card has no fees for purchasing the card online, monthly maintenance, activation, balance inquiries, alerts, card replacement, foreign currency conversion or loading via bank account. That's right! No fees for services that a LOT of companies charge an arm and a leg for!

The funds you put on the card do not expire, and if you lose it, it can easily be replaced. If it's stolen, not only will the card be replaced, American Express will also give you your money back! Talk about peace of mind! Users have full control via an online account - with the ability to load money, view transaction history, and set up alerts. Plus, with the Prepaid Card you get some of the same benefits you've come to expect from American Express like Roadside Assistance, Purchase Protection and 24/7 Customer Service. And signing up for the card is easy! There are no credit checks and it will not impact your credit score in any way.

I would definitely recommend the American Express Prepaid Card for anyone who wants to have more control over their budget and spending. With this card, it's so easy to manage your finances, completely worry-free! Since you load funds onto the card, there is never any worry about overdrafting. And using this card is much more secure than carrying cash! So whatever your needs, from groceries or gas to helping a child in college, you can always feel confident using your American Express Prepaid Card for all of your financial needs! With no monthly fees and free account maintenance, you'll be able to breathe easier and your husband will be able to get his mocha-frappa-whatchamacallit without having to worry about calling home to ask permission. I signed up. Will you?

TO LEARN MORE:

To learn more about American Express Prepaid Cards or sign up for one yourself, please visit their website.



***Disclosure: I wrote this review while participating in a blog tour by Mom Central Consulting on behalf of American Express and received a promotional item to thank me for taking the time to participate.***

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