Words & Banter

The History Of Credit Cards?

Design by Sawyer Pennington, Underlying photo by Jon Tyson on Unsplash

Who would ever think of “celebrating” credit card debt? Not celebrating paying it off – celebrating a mountain of credit card debt. Well, Black thinks Red’s credit card debt is worth celebrating, or at least this story about it is. And not just because April is Financial Literacy Month.

When Red was in the midst of her crisis (her husband unexpectedly got fired), she was freaking out about everything, especially money. And specifically, her credit card debt. If she could have remained an ostrich with her head in the sand, she would have. But Red knew she needed to face the facts (although she hadn’t run a total of how much they owed on credit cards, she knew it was a lot), so, with much trepidation, Red turned to Black, hoping she’d just tell her what to do.

Instead, Black wanted to give her a history lesson. On credit cards?! Black doesn’t even like history. And even though Red, who loves history, didn’t want to hear it, she decided to take the path of least resistance and humor her sister.

At first, she found it mildly interesting, but then that “unwanted” history lesson changed Red’s life. That might sound like an exaggeration, but it’s not. Because as soon as Red changed how she looked at credit cards, it changed how she used them.

Don’t believe it can make that much of a difference? Read “RED & BLACK … The History Of Credit Cards?” and decide for yourself.

FULL QUESTION: My teenager's a slob and it's driving me crazy their messy room, leaving dirty dishes all around the house, and the bathroom looking like a disaster area! And now they're home for the summer. Help!


Red's Head assets.rebelmouse.io


Moms everywhere know exactly what you're talking about! And although people told me not to worry, this phase would pass, that didn't make it any better while I was in the midst of it. (I wish I had understood why teenagers have messy rooms and what I could have done to manage it better.) The good news was I was able to set expectations (and help maintain them) for the common areas of the house, but dealing with their rooms was very different. Especially with my eldest daughter, since nothing would work — not bribes, not threats, not rational conversations. I tried all the tips and "tricks" without success and eventually decided to stop nagging her because all it did was get me upset while she seemed perfectly content with the mess.

At that point, I realized my primary concern was that I'd ultimately need an exterminator and/or plumber (for those of you who have lived through this, you understand), so I'd periodically go in and selectively clean that which would create problems for the rest of us. The rest I left alone. Hey, if she wanted to wear smelly clothing or have a bathroom that should be declared a national emergency zone, so be it.


Black's Head Black assets.rebelmouse.io


I do not have children, but there was a time when I did have stepdaughters, and, not knowing what else to do, I decided to treat them like I would new employees. I knew employees basically wanted to please management, so I figured kids wanted to please their parents, and hopefully, stepparents.

I created a "Rules of the House" document (small, basic, easy things), and most of them were things to do versus things not to do. I presented the rules as an opportunity for them to achieve and succeed, not as a set of restrictions. I always found it more effective with employees, and then with the girls (and even their father), to reinforce positive behavior rather than punish bad behavior. It can be as simple as a "thank you," complimenting them on their efforts, or even rewarding a job well done. It seemed to work, and along the way, improved communications and helped us set priorities.

When we talked about how to change other people's minds in To Change Minds … Change Your Approach?, Red was shocked to learn that Black, her highly pragmatic (albeit extremely sarcastic) sister, who often thinks of disagreements as sport, actually suggested using approaches that seemed more in keeping with Red's "style" as a warm and fuzzy mom, who goes out of her way to avoid conflict.

Of course, that led to us talking (initially, Black thought Red just wanted to bask in the light of being right, but quickly realized that the straight-A student wanted to understand the approach better), and we ultimately created the following list because we both love lists.

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Design by Sawyer Pennington

Our banter may start with two sisters, but it’s getting families, friends, and even classrooms talking.


Red's Head Red assets.rebelmouse.io



In some ways, it seems like decades ago that my husband got fired. In other ways, it seems like yesterday. I had never felt so scared. So confused.So out of control. I thought he’d work for the company where he had been for years until he retired, and by then we’d have a second home and would live happily ever after. It never occurred to me that anything could change that plan. Everything seemed perfect. Then, seemingly in an instant, the future I had counted on disappeared. And my life became a living nightmare.


Black's Head Black assets.rebelmouse.io





Yes, and as I told you at the time … you needed to calm down. I said that a lot. Still do. Anyway, I remember telling you to take a deep breath … and that you would get through it. And, you did, although you constantly questioned whether you could.

THE CONVERSATION STARTERS
  • Your life can change in an instant. Can you be prepared? How can you plan for the unknown?
  • What are other unplanned life events?
  • What's one thing you can control when life feels out of control?