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.

Image by filipefrazao on iStock

When you think of cancer, do you think that’s something only older people need to worry about?

Well, you’d be wrong because it’s alarming how many people under 50 are getting cancer. (Think Catherine, Princess of Wales.) And while the exact causes remain under investigation, what we do know is that early detection through cancer screenings is crucial.

It should be a priority for all of us (men and women) – and not only during Cancer Prevention Month but year-round.



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I know that cancer isn’t the “death sentence” it used to be when we were growing up, but it’s still a very scary word. Especially if it’s heard “close to home”.


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When we were young, the word was rarely said. And if it was, it was whispered or referred to as the “ c-word.”


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Kind of like when I had my two miscarriages. No one wanted even to acknowledge, let alone talk about, them. Which made it all the more difficult to get through it, although intellectually, I knew it was not uncommon.


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Unfortunately, neither is cancer. It is the second-leading cause of death in the world, surpassed only by heart disease. But, at least, it is no longer a taboo subject.


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Please don’t make this about numbers. It’s about people. Which you should know. I’m sure you remember when Daddy was diagnosed with parotid gland cancer , which luckily was treatable. And I’ve had skin cancer, although I was very fortunate, it was caught early and easily treated.
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Black “flipped” Rendering by porcorex on iStock

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I know you don’t celebrate holidays, so I’m not going to ask you if you have any plans for Valentine’s Day, but you do know that February’s American Heart Month, right?


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Of course. Which means the American Heart Association’s “ Go Red” campaign is in full force. And, they are not talking about you. It is because heart disease is the leading cause of death – for both men and women.


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Don’t you find it ironic that Valentine’s Day – a “fun” holiday about letting people you love and care about know that you’re thinking of them … a holiday filled with Hallmark cards, squishy teddy bears, chocolate hearts – falls in the middle of such a “serious” month-long awareness campaign?
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Until two years ago, Red had never heard of “Dry January” (see our conversation below). But whether or not you’ve taken the challenge, it’s never too late to develop healthy habits. And, FYI, there’s also “Damp January.”



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I keep getting emails about where to go for mocktails. I know alcohol-free cocktails, like Virgin Margaritas, have been around for a while, but I’d never heard that term before. Do you think it has to do with New Year’s resolutions?


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It can if any of your resolutions are to lose weight, save money, sleep better. Or, drink less. Psychologically, January is the month when we “reset”, so a UK-based organization, Alcohol Change UK , started Dry January , where you abstain from drinking alcohol.


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Perfect timing since many people shop, eat, and drink more than usual over the holidays.


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I know you used to drink a glass of Cold Duck on New Year’s Eve, a tradition going back to our childhood, but that hardly counts as drinking. But, I have always wondered why you rarely drink, but never asked.
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