|
I can
relate. When my husband got fired, Black made me total up all our credit card debt, and I broke
down in tears. The funny thing is that before
she’d help me deal with it, she insisted on giving me a history lesson on credit cards. And
although I love history, initially, I fought her. But I’m so glad she ignored me! To this day, understanding that the origin of
credit cards wasn’t a line of credit but instead a convenience (to be paid in
full every month) has made a huge difference.
But that doesn’t answer your question. I think we all know how easy it is to rack up credit card debt, especially during the holidays. A holiday budget would’ve helped, but now you need a monthly budget to see where you can cut back and apply those “savings” to pay down your credit card bills. Without making this a math class (not my favorite subject), I just memorized that after paying the minimums, I should apply any “extra” money to the credit cards with the highest interest rates (APRs). There’s nothing I can do about the past, but I can start making better decisions today. |
| I appreciate that “misery loves company,” and recognizing that we all are susceptible to overspending (Nicholas Cage took it to the extreme) helps explain why in the last year, credit card debt has exploded. I recently read that HBO star Issa Rae admitted that when she was a college student, she ran up lots of credit card debt, to the point it was “crippling” (her word, not mine). It reminded me of how shortly after getting my M.B.A. (in International Finance, so I had no excuse), I got in debt over my head. To the point where although I was making a great salary in a corporate job, I had to take a second job waitressing on weekends to pay down the debt. Am I suggesting you get a second job? No. I am suggesting you look at the numbers and then decide how best to “attack” them (maybe even consider debt consolidation to lower the overall interest rate you are paying). Some people suggest paying off the lowest balances first, but that is a psychological approach. As Red will tell you, I am pragmatic and prefer to crunch the numbers, and come up with a realistic plan and set myself up for success. |
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Black
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Familiar with the saying, "It’s not the heat, it’s the humidity”? Well, with unbearably hot temperatures around the country, does it really matter which it is? Or even if it’s both?! Which is why this older “Ask Red & Black” is still relevant …
| I'm laughing because I suspect Black would argue that I rarely look "nice" in the sense that I rarely "dress up". Even before the pandemic, unless I had a Red& Black business meeting or speaking engagement, my normal "look" was that of super comfy – workout or very casual clothing and minimal makeup. Here in Texas, where the heat and humidity are oppressive, I'm always looking for tips because the moment you step outside, you're going to start sweating, your makeup will drip, and your hair will either frizz or wilt (neither's a good look for me). So, I keep my skincare simple and summer-friendly – extremely lightweight, tinted facial moisturizer with a high SPF (so I only need a single product) and waterproof mascara. I've never been very creative when managing my long hair for the summer, but my daughter let me in on a secret when she straightened my hair for me. Unlike my rushed approach, she took an extra 10 minutes to do it in smaller sections, which looked great when my hair was down, but amazingly, even made my ponytail look "finished". Taking a little more time to do it right makes a huge difference, as now my hair stands up to the heat and humidity. (Good news is she's always willing to do it for me, bad news is that she goes to college in a few months, so I'll have to learn how to do it myself.) |
| When I started racing cars in the mid-1990s, I cut my hair very short so I could easily style it with some water and hair goo when I removed my helmet, which makes it perfect for summer. (Plus, I calculated that I could save over 10 hours/week, or five full days a year, by not dealing with my hair.) In terms of clothing, it is a function of where you are going or where you work (obviously, if you are in the banking industry, you will dress very differently from someone who works for a design or marketing firm). For the last few decades, I have worn the same "uniform" – dark slacks or jeans, white shirt, blazer, and colorful Hermès shawl. In the summer, I select pieces that are light-colored, loose-fitting, and breathable fabrics, but if I had to give one tip, it would be to wear layers since going in and out of air-conditioning can be a challenge, although I see it as a fashion opportunity. In fact, that is how my "signature" shawls started as, regardless of the season, I would always have one with me to handle changes in temperature. |
March is Women’s History Month, so what better time to reflect on how women can inspire other women to do amazing things? We’re rerunning a Q&A from a few years ago because celebrating women’s accomplishments is worth repeating and rereading … And it shouldn’t happen only in March!
P. S. – Betty White made this list, but how many of these trailblazing women do you recognize?
| Even with two daughters, and a sister who has been a role model for them and other girls (at speaking engagements, girls and boys are always surprised to learn she was the first woman to race the road course at Indianapolis Motor Speedway), it wasn’t until last year that I learned there even was a Women’s History Month. (Which is embarrassing as I claim to love history.) But once I made it a point to not only take notice of stories of women in history, but also women making history (for example, Wally Funk), I realized there are so many inspirational women – you just have to look for their stories. |
|
It is the
21
st Century; we should not need a Women’s History Month to make
sure that we remember and honor all the contributions and accomplishments of women. (And, I will not get into my opinion of the
word "
herstory.”)
But, there are many great ways for us to celebrate. Find stories you find inspirational, and then share them with others. Donate (time or money) to an organization that helps women. Make an effort to support women-owned businesses. Or, maybe something as simple (and as enjoyable) as listening to your favorite female artists and musicians, reading female authors, or watching movies about strong independent women. |
FULL QUESTION: It’s hotter than ever …do you have any tips for looking “nice” during the heat of the summer?
Summers are hotter than ever, but it’s always been a challenge to look put together (forget polished) in August. Especially in the Houston area, so here's an “Ask Red & Black” summer rerun … because some things never go out of style …
| I'm laughing because I suspect Black would argue that I rarely look "nice" in the sense that I rarely "dress up". Even before the pandemic, unless I had a Red& Black business meeting or speaking engagement, my normal "look" was that of super comfy – workout or very casual clothing and minimal makeup. Here in Texas, where the heat and humidity are oppressive, I'm always looking for tips because the moment you step outside, you're going to start sweating, your makeup will drip, and your hair will either frizz or wilt (neither's a good look for me). So, I keep my skincare simple and summer-friendly – extremely lightweight, tinted facial moisturizer with a high SPF (so I only need a single product) and waterproof mascara. I've never been very creative when managing my long hair for the summer, but my daughter let me in on a secret when she straightened my hair for me. Unlike my rushed approach, she took an extra 10 minutes to do it in smaller sections, which looked great when my hair was down, but amazingly, even made my ponytail look "finished". Taking a little more time to do it right makes a huge difference, as now my hair stands up to the heat and humidity. (Good news is she's always willing to do it for me, bad news is that she goes to college in a few months, so I'll have to learn how to do it myself.) |
| When I started racing cars in the mid-1990s, I cut my hair very short so I could easily style it with some water and hair goo when I removed my helmet, which makes it perfect for summer. (Plus, I calculated that I could save over 10 hours/week, or five full days a year, by not dealing with my hair.) In terms of clothing, it is a function of where you are going or where you work (obviously, if you are in the banking industry, you will dress very differently from someone who works for a design or marketing firm). For the last few decades, I have worn the same "uniform" – dark slacks or jeans, white shirt, blazer, and colorful Hermès shawl. In the summer, I select pieces that are light-colored, loose-fitting, and breathable fabrics, but if I had to give one tip, it would be to wear layers since going in and out of air-conditioning can be a challenge, although I see it as a fashion opportunity. In fact, that is how my "signature" shawls started, as, regardless of the season, I would always have one with me to handle changes in temperature. |
Maybe Skin Cancer Advice, But Don’t Expect A Compliment From A Sarcastic Sister