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The 21-Day Financial Fast: Your Path to Financial Peace and Freedom, by Michelle Singletary

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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.

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Product details

Paperback: 256 pages

Publisher: Zondervan (January 7, 2014)

Language: English

ISBN-10: 0310338336

ISBN-13: 978-0310338338

Product Dimensions:

5.6 x 0.8 x 8.4 inches

Shipping Weight: 8.8 ounces (View shipping rates and policies)

Average Customer Review:

4.5 out of 5 stars

299 customer reviews

Amazon Best Sellers Rank:

#17,838 in Books (See Top 100 in Books)

The 21 Day Financial Fast by Michelle Singletary is financial guidance based on conservative Christian principles. There's no way to ignore that every bit of advice is intertwined with the Bible. While that's one way to approach the topic, you wouldn't realize it by looking at the back cover's description. If you don't want to be preached at about your money problems, this isn't the book for you.This book assumes you've broken one of the ten commandments and your sin is the cause of your money woes. Wow! So someone who got sick or was in an accident and lost their job has... sinned? That's not a very Christian attitude. Another issue I had was not allowing others to bless you if they so choose. So if you choose to do a 21 day fast and it falls around your birthday, no one can bring you a store-bought cake or take you to dinner? You have to decline, says Singletary. Because that's consuming. I would be a little put-off if I brought my friend a cake or flowers and she declined them because it's consuming. It's my choice to bless my friend and it's gracious to accept the blessings of others.What I did like was the book's layout. Many psychologists feel that it takes 21 days to create a new habit and I think that's what the 21 days is aiming for, since 21 days isn't any sort of a Christian time period (perhaps she should have done 40 days?). Each chapter is short and offers critical thinking and ways to question yourself and your practices and attitudes about your "God given" money.Disclaimer: I received a free copy of this book from the publisher in exchange for writing an honest review. I received no other compensation.

If you can get past all the super fundamentalist christian (SFC) stuff in this book, the main message and point of it is pretty great. I first discovered it about five years ago via the Washington Post (where Singletary is a writer) and I'm not kidding or exaggerating when I say it changed my life. I'm not Christian at all, but somehow I battled through, probably because I was in a REALLY bad financial place at the time and desperate to dig myself out of the hole I had created. I had about 10k in credit card debt, $0 savings, over $40k in student loans that I had periodically ignored or gotten forbearances on, had just made a cross country move that I couldn't afford, and I come from a family of people who are just TERRIBLE with money. I had really kind of lost hope. This book, well the exercise of doing the fast in this book, really changed the way I think about money, about spending, about saving, about what I really "need." It's only 21 days, so I initially thought, oh that's not bad at all, I can give this a try. For the 21 days, you read a chapter a day, and there is an assignment at the end of the chapter (some of which I didn't do because they were too jesusy, but some of them, especially in Part 2, are great. There are budget worksheets, you have to look at your credit card statements very carefully (first, look at your balance and see if you can remember what you bought, what the balance represents. You probably can't), lessons on entitlement ("I deserve a vacation", "I deserve to buy myself a little treat"), etc. And during the 21 days, you cannot use credit or debit, only cash, and you can only buy essentials (hence the "Fast" part of the Financial Fast). That means no eating out, no going to the movies, no gifts; you can still go to entertainment functions, but only free ones. You can buy groceries and medicine, and that's about it. But it's only 21 days! Anyone can stick to something for that little time. It might sound like a hokey diet, but when you change your spending a prolonged period of time, it does change the way you think in a way that just a day or two or three does not. I've done it several times, so trust me on this. Just try it.It's worth it. There are a ton of studies about this, many quoted in the book, but from an anecdotal perspective: using cash really changes the way I spend (even to this day) and forcing yourself to THINK about your purchases for 21 days just really changes my mindset. That's why I do it again every new year; it's like a "reset" to me.It's over four years since I first did the fast (I have done it at least once a year since, but sometimes I've done it several times a year when I find a friend who wants to do it but needs support - it definitely helps to have someone with whom to check in), and I am happy to report that in 2016 I became 100% debt free, and honestly, it's only because of this book. I do not think I would be debt free today had I not found this and taken to it. I paid off my credit card debt, my student loans, a personal loan from a family member, and I now even am building savings, for the first time in my life and definitely for the first time in my immediate family. I'm saving now to hopefully one day buy a house, which would be the first time in my life to live in a place that is not rented.I do wish she would write a secular version of this book, because I always feel weird recommending it to people (and have to give them the SFC caviat), but I am not kidding at all when I say that she changed my life, changed the way I think about money, and has become the financial role model I never had, that helped me to become (what I think of as) a real adult, a financial grown up.

I participated in the 21-Day Financial Fast this past July. It was an excellent experience. The 21-Day Financial Fast: Your Path to Financial Peace and Freedom is required reading for participants. Michelle Singletary approaches the financial fast and lessons from a Biblical perspective. That may turn some folks off, but I want to encourage those of you who say Bleah to reconsider. I walk a slightly different spiritual path than Michelle, but did not find anything presented in the book to be a turnoff. It's kind of like a 12-step recovery program - your Higher Power and mine may be different, and they can very much co-exist together.I learned a ton participating in the fast - not just about finances and how to manage them better, but about me and my habits, many which are not beneficial to healthy finances. Those things can be sneaky, and Michelle does a great job giving examples of what those might be.I've decided that I'm doing a quarterly financial fast to keep myself on track as I continue to exercise newly found financial muscles. That may taper off to 2 or 3 times a year, but I found so much benefit, that I want to continue to challenge myself to be a better steward of my resources. Plus the other cool thing about this process is how creative a person can be in saving money. I actually had fun.And a side note - a lot of this is difficult. My difficult areas may not be yours and vice versa. Give it a try, and hang with it for the 21 days. See how well you do. Subscribe to Michelle's Color of Money (Washington Post) column electronically; she'll announce when she's doing the next fast. In the meantime, there's a lot you can do yourself. And if you choose to wing it, her Financial Fast videos are available on YouTube, so you don't have to go it alone.A final note - I cut my monthly credit card bill down by 50% during the fast, and have consistently cut at least 1/3+ out in the months following. We always pay it off, but when you put a lot on the card, it shortchanges other areas. Tired of shortchanging my savings and my retirement funds. Tired of shortchanging other areas of my life. And now that I have the tools and support - I know where Michelle's videos are - I'll continue exercising my new financial freedom muscles.

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