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Spend Well, Live Rich (previously published as 7 Money Mantras for a Richer Life): How to Get What You Want with the Money You Have Paperback – December 28, 2004
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“When it comes to advice on money, you can’t beat Big Mama.”
–Milwaukee Journal Sentinel
“Refreshing in its honesty and reliable in its guidance . . . a charming, inspirational and authoritative primer on money management.”
From the Inside Flap
The 7 Money Mantras are:
1. If it's on your ass, it's not an asset!
2. Is this a need or is it a want?
3. Sweat the small stuff.
4. Cash is better than credit.
5. Keep it simple.
6. Priorities lead to prosperity.
7. Enough is enough.
Michelle Singletary is a syndicated columnist for "The Washington Post whose popular personal finance column appears in more than 120 newspapers. She's also a mother of three children who understands what it's like to live on a budget. In a plainspoken, sassy, no-nonsense voice, Michelle provides answers to the financial issues that confront almost every household: how to teach children the value of money; how to address money issues in a relationship or marriage; household saving tips; getting the best loans; and much more.
"This book is about saving enough money to have choices," she writes. "It's about feeling free to be cheap if you can't afford to buy a ton of gifts at Christmas. It's about eliminating wasteful spend-ing so you can begin to save and invest. It's full of uncommon commonsense lessonsand guidance on the way people should use their money."
With humor and down-home financial wisdom, Michelle Singletary offers practical and realistic advice that will help you live well with the money you have.
Michelle Singletary on . . .
Romance and Money
"It's okay to say: 'Honey, I love you and everything, but if you need money, ask your mama.'"
"We are minimizing our financial potential by making minimum credit-card payments."
"If you want to save money, keep your car until you're on a first-name basis with the local tow-truck drivers."
Leasing a Car
"You, too, can drive a car you can't afford and then have to give it back. It's crazy."
"Generosity isn't about how much you spend. It's about how much thought you put into the gift."
"I once bought a stick-shift car because it was $1,000 cheaper than the automatic in the same model. There was just one little problem. I couldn't drive a stick-shift. But at least I saved $1,000!"
"From the Hardcover edition.
More About the Author
In 2003, she published her first book, "7 Money Mantras For A Richer Life: How To Live Well With The Money You Have (Random House). The paperback was retitled "Spend Well, Live Rich."
Her second book, "Your Money and Your Man: How You and Prince Charming Can Spend Well and Live Rich" was released in January 2006, also published by Random House. The paperback was released in February 2007. Her third book, "The Power to Prosper: 21 Days to Financial Freedom," was released in January 2010 by Zondervan, a HarperCollins company.
In Jan. 2014, an updated and expanded book of "The Power to Prosper" was released. It was retitled "The 21 Day Financial Fast: Your Path to Financial Peace and Freedom." It was also published by Zondervan.
In January 2006, Singletary launched her first national television program "Singletary Says" on TV One, owned Radio One and Comcast. "Singletary Says" is a half hour personal finance reality show in which Singletary visits people in their homes to help resolve various financial issues. The second Season of Singletary Says debuted in November 2006. Following her second season, she hosted a personal finance special for TV One, "Real Estate Realities: When the Boom Goes Bust." The special, which aired in 2008, focused on how the real estate crisis impacted the African-American community.
Singletary was a regular personal finance contributor for National Public Radio's afternoon program "Day To Day." Although NPR eliminated the program for budgetary reasons, you can still hear Singletary on various NPR shows including "All Things Considered," "Talk of the Nation," "Here and Now" and "Marketplace Money." She was an AOL money coach having produced a series of workshops on love and money.
She is frequently asked to appear on local and national radio programs including the "Diane Rehm Show" and the "Yolanda Adams Morning Show." She has appeared on all three major networks, NBC, ABC and CBS. She has prepared personal finance segments for local and national news programs, and for a number of network and nationally syndicated programs, including "Oprah," "NBC's Today Show," "The Early Show on CBS," "Nightline," CNN, "The View," and "Tavis Smiley" on PBS. She has appeared on "Meet The Press" and other national news programs, including CNN. In 2000, she was recruited as a regular contributor to do live financial segments for MSNBC.
For nearly a decade Singletary was also a regular contributor on Howard University's evening news radio program, "Insight." During the 1997-1998 television season, Singletary was a regular correspondent on BET's "Real Business." She has filled in for nationally syndicated radio host Clark Howard on his local program on the top-rated News-Talk 750 WSB in Atlanta.
Singletary also hosted her own radio call-in program on XM 169 The Power in 2007. Radio One programmed the African-American news/talk channel. Her personal finance program along with several others was cancelled after Radio One ended its relationship with XM Satellite Radio for business reasons.
Singletary has written for the flagship "O, The Oprah Magazine." For a brief stint she was the personal finance columnist for "O at Home magazine replacing Suze Orman." The quarterly magazine was a spinoff of the monthly "O, The Oprah Magazine." Due to the recession, the Hearst Company shut down the magazine in late 2008.
In July 2008, she began writing a weekly Q&A column for radio and television host Tavis Smiley on his popular PBS Website.
Singletary is currently the host of a live online chat on the Post's Web site, washingtonpost.com. She also has a widely read electronic newsletter distributed by The Washington Post. Her e-letter is one of the more popular newsletters distributed by The Washington Post. In her column, chats, newsletter, television show and books Singletary delivers advice on personal finance issues that range from lending your honey money (don't do it), to raising money smart kids to the importance of saving and investing.
Singletary is frequently requested to be a keynote speaker. She has given workshops or presentations for Georgetown University, Essence, and Simmons College School of Management in Boston. She has also conducted personal finance workshops for the National Football League's annual Rookie Symposium for incoming freshman players. In the religious community, she has been invited to speak numerous times at her home church, First Baptist Church of Glenarden under the leadership of Pastor John K. Jenkins Sr.
At First Baptist, she has led a major Bible Study session, been the keynote speaker at several Women's Conferences and a frequent workshop presenter. She has given keynote presentations at World Overcomers Outreach Ministries Church in Memphis, Tennessee under the leadership of Apostle R. Williams, Senior Pastor and at The Saint Paul's Baptist Church in Richmond, VA., which is under the leadership of Rev. Lance Watson. Saint Paul is one of the largest African American churches in Central Virginia with more than 10,000 members. Other churches she has delivered biblically based personal finance presentations include Christ is King Worship Center in Baltimore, Md. under the leadership of Pastor Lois Bethea Thompson, and Bethel Christian Center in Upper Marlboro, Md. under the leadership of Co-Pastors Jerome and Katina Holmes
In her spare time, Singletary is the director of "Prosperity Partners Ministry," a program she founded at her church, First Baptist Church of Glenarden, in which women and men, who handle their money well, volunteer to mentor others who are having financial challenges. Once a month, Singletary conducts a workshop for the ministry group on topics that range from tithing, to developing a budget to getting out of debt. She also volunteers at prisons teaching inmates about personal finance.
In 2009, she was selected to receive the Distinguished Alumni Award from The Johns Hopkins University. She also received the 2009 Matrix Award for Professional Achievements from The Association for Women in Communications.
Singletary's book, "Your Money and Your Man" was a finalist in 2006 for "Books for a Better Life," which honors the best self-improvement books. This highly regarded award promotes the importance of one of the largest and fastest-growing segments in the book publishing business.
Just a year after starting her column, The Washington Post nominated it for a Pulitzer Prize. Most recently, her column won a prestigious award from the Society of American Business Editors and Writers. She won Best in Business for a series of columns that ran in 2007. The judges wrote: "Michelle Singletary's work illustrates a range of writing that's both approachable and explanatory."
"The Color of Money" has placed first in the major newspaper category of the ICI Education Foundation/American University awards for Excellence in Personal Finance Reporting. The column also earned a first place for business writing from the National Association of Black Journalists.
Prior to becoming a columnist for The Washington Post, Singletary covered local and national banking for the Post. She joined the paper in 1992 and was assigned to cover bankruptcy. In 1994, she was awarded a fellowship by NABJ to write about small women-owned businesses in West Africa. While in Africa, she helped cover the 1994 election of Nelson Mandela, and shared the lead story on Election Day with the Post's foreign correspondent, writing about a Soweto family's day at the polls.
Before going to the Post, Singletary was a business reporter for the Baltimore Evening Sun, where she also covered police, religion, politics, and zoning. She is a graduate of the University of Maryland at College Park, and The Johns Hopkins University, where she earned a master's degree in business and management. Singletary and her husband reside in Maryland with their three children.
Top Customer Reviews
A waste of money if you've bought, "Seven Money Mantras..."
Most Recent Customer Reviews
Good book and also could be a teaching text for both young and old alike. I am a senior citizen and it still taught me.Published 23 months ago by Curtis
THIS BOOK IS SIMPLE AND PRACTICAL. THESE ARE THINGS YOU CAN DO NOW TO SAVE AND LIVE WELL. IT'S A MUST READ FOR YOUNG ADULTS AND TEENS.Published on December 6, 2013 by msshoefetish
Funny,sometimes hilarious!!!! Would recommend this book especially for newly-weds and those going through financial crises.Published on March 28, 2010 by Ellen J. Agard
This book appears to be the same as the earlier book "7 Money Mantras...". Read the reviews for that book as well - they are favorable, not like the ones here as of 5/6/06. Read morePublished on May 6, 2006 by pmm_kens