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The 21-Day Financial Fast: Your Path to Financial Peace and Freedom [Kindle Edition]

Michelle Singletary
3.8 out of 5 stars  See all reviews (73 customer reviews)

Print List Price: $15.99
Kindle Price: $7.99
You Save: $8.00 (50%)
Sold by: HarperCollins Publishing

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Book Description

Financial Peace and Freedom in 21 Days


In The 21-Day Financial Fast, award-winning writer and The Washington Post columnist Michelle Singletary proposes a field-tested financial challenge. For twenty-one days, participants will put away their credit cards and buy only the barest essentials. With Michelle’s guidance during this three-week financial fast, you will discover how to:



  • Break bad spending habits

  • Plot a course to become debt-free with the Debt Dash Plan

  • Avoid the temptation of overspending for college

  • Learn how to prepare elderly relatives and yourself for future long-term care expenses

  • Be prepared for any contingency with a Life Happens Fund

  • Stop worrying about money and find the priceless power of financial peace

As you discover practical ways to achieve financial freedom, you’ll experience what it truly means to live a life of financial peace and prosperity.


Thousands of individuals have participated in the fast and as a result have gotten out of debt and become better managers of their money and finances. The 21-Day Financial Fast is great for earners at any income-level or stage of life, whether you are living paycheck-to-paycheck or just trying to make smarter financial choices.



Editorial Reviews

About the Author

Michelle Singletary writes an award-winning personal finance column for The Washington Post called "The Color of Money," which appears in more than one hundred newspapers across the country. The author of two other books, Singletary has appeared on numerous national television and radio programs, including Oprah, The Today Show, The Early Show, The View, Meet the Press, CNN, MSNBC, Nightline, Tavis Smiley, NPR, The Diane Rehm Show, The Tom Joyner Morning Show, and Yolanda Adams Morning Show. Her television program, Singletary Says, can still be seen on TV One. To learn more visit www.michellesingletary.com or www.washingtonpost.com/michelle-singletary.


Product Details

  • File Size: 812 KB
  • Print Length: 242 pages
  • Simultaneous Device Usage: Up to 5 simultaneous devices, per publisher limits
  • Publisher: Zondervan (January 7, 2014)
  • Sold by: HarperCollins Publishing
  • Language: English
  • ASIN: B00DL10HHQ
  • Text-to-Speech: Enabled
  • X-Ray:
  • Lending: Not Enabled
  • Amazon Best Sellers Rank: #90,702 Paid in Kindle Store (See Top 100 Paid in Kindle Store)
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Customer Reviews

Most Helpful Customer Reviews
72 of 83 people found the following review helpful
1.0 out of 5 stars For Conservative Christians Only.... January 12, 2014
Format:Paperback
I was really looking forward to reading this book and following the 21 Day Financial Fast. I've followed Singletary's column in the Post for a long time and I have always really liked it. I was expecting the book to be similar to her column, which is why I was so surprised by the book. The advice in the book is completely based on conservative Christian values.

On Day 2 the focus is to identify which of the Ten Commandments you have broken that have left you broke.

Day 4 is an entire chapter devoted to tithing. And her advice in this chapter is where she lost me. Her advice on how to agree with your spouse on tithing (if one does not want to tithe and the other does), is that the wife should "submit to his leadship" and go with her husband's wishes. But for the opposite, if the wife wants to tithe and the husband does not, she says that the wife should "Make an appeal for tithing without becoming disrespectful of belligerent. Do what you can to make your case but don't go against his wishes. You could tithe off the amount of money allocated in your budget for your own personal use."

I really tried to stick with this book, even though from the start is was overwhelmingly Christian focused. I thought that I could separate out the biblical references and conservative ideology and apply the financial principles to my situation. But Singletary has mixed them together so thoroughly that it is clear she feels you can only be financially successful if you follow her belief system.

There should have been mention of these conservative Christian views in the description of the book. On the entire back cover description there is not a single mention of God or religion, which is particularly deceptive since there is not a single page in the whole book that does not have a bible verse or reference to "God given" money/wealth.
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17 of 18 people found the following review helpful
By Julie
Format:Paperback|Verified Purchase
What surprised me about this book was the layout. It does not follow the typical financial advice book that you read through as your schedule permits. This book is organized with a short introduction chapter followed by 21 short chapters, one for each day of the fast. She also encourages you to keep a journal and has a journal topic/activity at the end of the day to help you really dig into yourself to examine yourself and create change. I think it would be almost impossible to read the book, earnestly do the journal entries and not walk away with a more Godly attitude toward money.

I am a Christian, and while others have rated the book low because it was written from a Christian perspective, that is exactly what I appreciate about it. This is not just advice to teach you how to be rich in a worldly way. It is financial advice designed and presented in a format that seeks to create change in Godly people who want to better use the resources God has blessed us with so that we become spiritually rich and financial wise.

I am so thankful to have purchased this book after hearing an interview with the author on NPR. It is helping me to create healthy financial changes in my heart and to my wallet.
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6 of 6 people found the following review helpful
4.0 out of 5 stars Read the book and save money January 30, 2014
By bigal
Format:Paperback|Verified Purchase
The book is jammed full of smart things to do or not to do with your money. You can download spreadsheets from Michelle's web site to help you along the way.
Michelle is a very smart and religious person. I feel a bit to much religion is spoken in this book.
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5 of 5 people found the following review helpful
5.0 out of 5 stars Real & raw. January 25, 2014
Format:Paperback|Verified Purchase
Real and raw. This program can change your life. Buy it. Read it. Then go back and read it again only this time actually work the steps. A time will come will no one will be able to say, "I didn't know" because with the information in this book, now we know. Change your behavior. Change you life.
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3 of 3 people found the following review helpful
5.0 out of 5 stars A GODSENT GIFT! April 9, 2014
Format:Paperback|Verified Purchase
My daughter told me about this wonderful fast and I couldnt wait to start! For me, this is like a refresher course in money management....I really like the many references to God and the Bible....for me it has reenforced the very principals instilled in me by my parents and grandmother....Thank you Michelle for developing this concept of a financial fast....I also like that the chapters are actually short and to the point....I love journaling so the idea of keeping a journal while on the fast was one of the reasons I was attracted to the plan. I purchased a journal and I am enjoying the daily assignments. The information is practical and based on biblical scriptures....it's easy to read and provides realistic and attainable goals.
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3 of 3 people found the following review helpful
4.0 out of 5 stars Great challenge March 11, 2014
Format:Paperback
Michelle, challenges her readers in The 21-Day Financial Fast: Your Path to Financial Peace and Freedom to take 21 days and to not buy anything but what they really need. She also challenges the reader to use only cash during those 21 days. The book is split up into 21 chapters for the 21 days. Along the way, Michelle shares many financial tips that will hopefully change how you look at money in the future.

I don't know about you, but I need to be challenged at times to think about sometimes what I am spending my money on. Do I truly need what I am buying?

I am not currently participating in the 21 day fast, but I think it would be a hard thing to do. Not buying anything that is not needed. At one point, I thought Michelle went a little too far. She said that if during the fast, your boyfriend wants to take you out to eat, you need to say no because that is taking part of consuming. I think if you aren't choosing to spend the money, then you need to allow others to bless.

I did think that this book was well laid out and think that the principles are very applicable. Truth that many Americans need to put into practice. I have to admit that there are some areas that I need to work on as well.

Thank you to BookLook Bloggers for allowing me to review this book.
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Most Recent Customer Reviews
5.0 out of 5 stars Try it
The 21 Day Fast is life reforming. I spend and save money so differently now. It's all about conscience spending and not buying another mascara, moisturizer, dog toy, magazine,... Read more
Published 2 days ago by Stella
5.0 out of 5 stars Take Control of Your Financial Life
IF you are serious about taking control of your finances, this is the perfect way to seize that control. You can participate with a group or do it alone: just do it.
Published 14 days ago by Nancy K. Samuel
5.0 out of 5 stars Five Stars
Very sound financial advice.
Published 15 days ago by Angela Lee-Gordon
5.0 out of 5 stars Excellent aid in saving.
Even if you don't agree with her religious statements tge book is still an excellent aide in getting the reader to become aware of their spending and saving habits.
Published 15 days ago by Sharon Rainey
3.0 out of 5 stars Three Stars
After day 9 she lost me....too complicated.
Published 19 days ago by donita sather
2.0 out of 5 stars Conservative, slightly dubious advice
The 21 Day Financial Fast by Michelle Singletary is financial guidance based on conservative Christian principles. Read more
Published 26 days ago by Milk Donor Mama
5.0 out of 5 stars WONDERFULLLLLL!
Every church going person should have a spiritual banker with your best interest at heart. This book is the banker. I love the small doses of hard medicine she shared. Read more
Published 1 month ago by V
5.0 out of 5 stars A Must Read!
If you follow the steps they actually work! But you knew that right? Michelle Singletary uses common sense, her wit, and honesty to help lead you to a path of financial freedom. Read more
Published 1 month ago by Courtney Taylor
5.0 out of 5 stars Great Guide for setting and staying on a Budget!
Michelle Singletary has done it again. Lots of suggestions, reccomendations, exervises and testimonies. A great read that yields financial results if implemented in your life.
Published 1 month ago by SassC
1.0 out of 5 stars Not for me
Luckily, I saved money by taking this book out of the library. I really like the idea of putting myself on a financial "fast" and buying only things that matter and... Read more
Published 1 month ago by Luvs Books
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More About the Author

Michelle Singletary is a nationally syndicated columnist for The Washington Post. Her column, "The Color of Money" is an award-winning column, which is now carried in about 100 newspapers across the country including the Atlanta Journal Constitution, Miami Herald, Boston Globe, Tampa Tribune and Philadelphia Inquirer.

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.



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