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.

You may think the holiday season’s over, but January’s filled with an assortment of holidays, including some very unusual ones. Luckily, unlike the December holidays, these are much less stressful and can be lots of fun. Especially for us, as they celebrate some of our favorite things. (Of the five holidays listed below, can you guess which are Red’s favorites and which are Black’s?)

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It’s January, and everyone’s probably tired of reading about New Year’s resolutions.

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Not me. Since I never make them, I never feel the need to read about them.

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Of course, you don’t. So, what should we write about?

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How about that we celebrate some of our favorite things in January?

So many “National Days” in January are fun (we’ve written about them over the years) and remind us of some of our favorite things. (Can you pick which are Red’s favorite holidays and which are Black’s?) And whether or not you make resolutions, it’s always important to have a sense of humor and enjoy the simpler things in life …

Answer: Red’s favorites are Bagels, Popcorn, and Hugging. Black’s are Clean Desk, Bagels, and Backward.

We’re starting the new year with a new attitude and a new business venture – merchandise! For a limited time only (until the end of January), our Kickstarter campaign will be offering our exclusive, first-edition apparel collection. All include practical and empowering messages based on our real-life stories and experiences.

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I’m so excited about our new products. You might call it “merchandise with meaning,” but I think of it as “fun stuff” that inspires and makes you smile. And I’m thrilled we’re offering a selection of first-edition items, including stickers, even if only for a limited time.


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I love how each piece of merchandise provides humor, wisdom, and practical advice for everyday living but may also inspire better decisions.


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I know we initially planned to have these items available for the holidays, but it seemed nothing went as planned.


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Life rarely does, but I think it worked out for the best because,
The NEW YEAR is a perfect time for a NEW ATTITUDE. And, hopefully, a NEW BUSINESS.

Our Red & Black Kickstarter campaign offers a selection of first-edition merchandise including a sheet of stickers with motivating phrases and eye-catching graphics, but also autographed copies of our bestselling book that can be personalized. Whether you buy something for yourself or for others – we hope it will help get the New Year off to the right start with inspiration and motivation. And humor.

DON’T WAIT! It will be a very short campaign (only 30 days), so there’s no time to waste.

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Wishing you a year to thrive – Happy 2025!