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.
People have told us they're using our sisterly banter to start conversations with others (family, friends, and even in classrooms), so Black created "Conversation Starters".
Not only is Christmas less than a week away, but so is Chanukah (the first night is on Christmas Day). And although we wrote this Conversation Starter years ago, we seem to have this same conversation every year.
I can't believe how quickly the holidays are flying by. On one hand, all I want to do is enjoy them as I love this time of year. But I can't because there always seems so much to do. And I'm afraid that if I don't do everything on my holiday "to-do" list, I'll disappoint people, including me. You don't have this problem as you don't have kids and you live alone, plus others aren't looking to you to make the holidays festive and memorable. | |
You seem to start with your "to-do" list, whereas I think about the significance of the holiday and what will make it meaningful and memorable. Yes, it is a more pragmatic approach, but it makes the planning so much easier. You know that I dislike the over-commercialization of holidays, but it does provide a reminder that it is important to let others know how much you appreciate them. |
THE CONVERSATION STARTERS
- What's most important to you during the holidays? Why?
- Describe your "perfect" (yet realistic) holiday celebration. What it would take to make it come true?
- If you celebrate with others, have you ever discussed what's important to them?
P.S. – Since this is being posted in the midst of
the December holiday season (what Red refers to as the "silly season"), you
might be interested in these recent posts:
Without fail, every year, I feel overwhelmed by the holidays, and without fail, Black reminds me that I know what to do or, in some cases, what not to do. And then she suggests (sarcastically, I might add) I reread the very simple (but invaluable) list I wrote in 2020. Maybe next year, I’ll put “read my holiday survival checklist” on one of my many lists of things to do …
It's official! The holiday "silly season" (as I call it) is now underway and before I know it, it will be New Year's Day and I'll be looking back and asking, "Where did December go?!" This year's holiday goals …
Avoid feeling exhausted, get everything important checked off my list, and have time to enjoy the spirit of the season.
I love my lists, but when it comes to the holidays you can truly go crazy! There's lots of detailed holiday checklists online, but I felt overwhelmed just reading them. So, I created the following checklist to help me stay focused on what's important, and hope it gives you some food-for-thought.
- Gifts – Gifts – Gifts
It's really easy to drive yourself crazy, so it's critical to write down not only the WHO and WHAT, but also WHEN to shop. Remember to consider things that can cause stress later – small things like you forgot to get gift wrapping supplies to the large like large January credit card statements, so make sure to have and follow a BUDGET.
- Wishing All Happy Holidays!
I started to call this a holiday card list but then realized that the only cards I give are to my daughters. Everyone else I either email, text, call, or FaceTime. To me, it's making sure I reach out to everyone on this list.
- It's All About The Food
I don't know about you, but it's not a holiday without our favorite foods. But those don't just magically appear. It has to be planned – starting with what to make from scratch and what can be bought already made. Add in shopping, prep time, and actual cooking, and you have a plan. The holidays are definitely a food marathon, but a little bit of planning and time management will go a long way.
- Making Your Home Festive
For me, that means at least one inflatable on my front lawn and decorations in the most used areas of the house. (Black would call them "high traffic" areas.) I'll admit that I have fewer decorations than I did when the girls were little, and I love it that way. The house looks festive but it doesn't take me days to set up and then put away.
- What Are We Doing Today?
It doesn't matter whether it's your kids asking this question or the adults in your life – everyone wants to "do something" during the holidays. Of course, I'm usually responsible for planning holiday activities, and with this year's corona-craziness it will mean a little more thought and creativity. But hopping in the car and looking at Christmas lights or just taking a road trip for the day may well be in my future!
- Remember Others
I don't need to tell you that the holidays are a tough time for so many, and this year it's going to be even more so. So, think about possibly doing something for others – whether making a donation, delivering food, giving some of your time, the possibilities are endless. And will put you in the holiday spirit!
- Don't Forget About You!
If you're the person "in charge" of making sure the holidays are special for everyone else, it can be stressful and all-consuming. In the past, I'd "escape" for a few hours to the movies but, unfortunately, that's not an option this year. (I admit it … I miss movie popcorn!) So remember to do something for you. For me, the best gift is time. Time to do whatever I want, even if it means doing nothing.
As always, I wondered what Black thought/would put on her list, if she even has one as she's definitely NOT a holiday person. Her response? "Well, my holidays are much simpler as I live alone and have a very short list of people and business associates who receive gifts and, with the exception of my nieces, most are edible treats I order online. For me, charitable giving is year-long. And, I stopped sending holiday cards years ago and no one seemed to miss them. But, I do have one holiday tradition on my checklist that is being modified this year."
- Black's Holiday "Blast From The Past"
Every year, I send about a dozen people a very short, personalized, and to-the-point email to let them know that I am thinking about them. Starting this year, I am going to add a few people to the list who I have not "spoken" with for some time, just to let them know they have not been forgotten.
If you have gotten this far, I have one last item …
HO-HO-HO Happy Holidays!
Although Red isn’t cooking this Thanksgiving and will be reading “The Godfather” instead of watching it on TV, some traditions remain unchanged. Like reminiscing about the perfect, albeit naked, turkey! And rerunning Black’s Thanksgiving post from 2020.
It instantly became a favorite of Red’s and provides the perfect opportunity for her to wish you a very Happy Turkey Day …
Today is Thanksgiving, and I cannot help but wonder why we are online. However, everyone has their own way of celebrating. I know that Red is in the kitchen cooking – and watching a marathon of "The Godfather" movies. Which is perfect as turkeys take such a long time to cook and patience is important when you want it perfectly browned. So inviting, so appetizing, so … naked?
Growing up, our house used to be where everyone congregated for the holidays. Not because my mother was a good cook, or even liked to entertain, but because my parents bought a house on Long Island while the rest of her family continued to live in apartments in Brooklyn and the Bronx. In other words, they had the most room.
Thanksgiving was always a house full of people and everyone always gathered in the kitchen, which made food preparation a challenge. Especially as everyone loved to nibble on ingredients during the process. For the most part, Mom was a good sport about it. But, the closer we got to the turkey being ready, the more food she would move into the dining room, hoping we would follow the food.
I remember one year when the turkey cooling on the counter looked like something from a magazine – it was perfectly browned. Normally, it was splotchy, although you never knew it once my father was done carving it. (Although an engineer, he had dreamed of being a surgeon and every year as I watched him carve the turkey, I would think he missed his true calling.) Anyway, my mother was so proud of this perfectly browned turkey that she would not let anyone near it, and was delaying the inevitable carving.
However, she made the mistake of taking the balance of the side dishes into the dining room and my father must have been helping as my cousin and I snuck back into the kitchen. In a matter of seconds, we had striped that turkey naked. Enjoying the crispy skin (ok, this was well before the days we were told it was "bad" for you) and laughing until my parents returned to see what was causing the commotion.
Mom was less than pleased, while Daddy tried to hide his amusement. My cousin ran to the safety of his parents, while I stood there defiantly asking if could have a wing. To this day, I cannot see a perfectly browned turkey without remembering that Thanksgiving. And, I venture to guess it has become a favorite memory of my Mom's, as well.
So today, at the risk of being warm and fuzzy (which is Red's area of responsibility),
I want to wish you a Happy Thanksgiving … filled with memories that will last a lifetime.