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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 ho 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.


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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 ho 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.

30 review for The 21-Day Financial Fast: Your Path to Financial Peace and Freedom

  1. 4 out of 5

    Kimberly

    Ms. Singletary's book is a wonderful choice if you identify yourself as a Bible reading Christian. However, as a stand alone financial book, I cannot recommend it. I cannot in good faith recommend a book that I could barely get through without flipping numerous pages. This book is more hardcore Christian than Dave Ramsey's books (Which are geared toward Christians, especially families) but less straight to the point than Suze Orman's books. There are some gems in this book regarding about dealin Ms. Singletary's book is a wonderful choice if you identify yourself as a Bible reading Christian. However, as a stand alone financial book, I cannot recommend it. I cannot in good faith recommend a book that I could barely get through without flipping numerous pages. This book is more hardcore Christian than Dave Ramsey's books (Which are geared toward Christians, especially families) but less straight to the point than Suze Orman's books. There are some gems in this book regarding about dealing with yourself and your emotions, impulse buying and tracking your spending patterns - all of this I already had read and incorporated into my life from other books. Unfortunately, this book held nothing new for me. The tone of the book, her point of view regarding the subject matter discussed, excessive Bible references and my lack of connection with the writer's voice created a divide that could not be conquered. If you want a book with a religious undercurrent with good text, I would recommend one of Dave Ramsey's books.

  2. 5 out of 5

    Dawn

    Okay, just to give everyone the heads-up I didn't have when I grabbed this off the library shelf: this has an extremely Christian slant. As in, she asks you to pray to God for insight before reading each chapter, and it includes tithing dos and don'ts. Kind of a disappointment, because she has a really good column in Washington Post. Anyway, may or may not have good advice, if only I could get through the religious muck. Okay, just to give everyone the heads-up I didn't have when I grabbed this off the library shelf: this has an extremely Christian slant. As in, she asks you to pray to God for insight before reading each chapter, and it includes tithing dos and don'ts. Kind of a disappointment, because she has a really good column in Washington Post. Anyway, may or may not have good advice, if only I could get through the religious muck.

  3. 5 out of 5

    Meg

    I picked up this book because it was recommended as a good, basic, get-started book on getting your financial life in order. My finances are fine, but I think they could be better. (Is there anyone who doesn't feel like their finances could be better?) When I started reading, I immediately thought, "Uh-oh, this isn't for me." Because the book makes use of scripture, prayer, and general praise to God to make a point....and I am not a religious person. But then I kept reading, and I found that the I picked up this book because it was recommended as a good, basic, get-started book on getting your financial life in order. My finances are fine, but I think they could be better. (Is there anyone who doesn't feel like their finances could be better?) When I started reading, I immediately thought, "Uh-oh, this isn't for me." Because the book makes use of scripture, prayer, and general praise to God to make a point....and I am not a religious person. But then I kept reading, and I found that the book was enlightening. The author use scripture to help challenge and question the *emotional* and *psychological* reasons you are spending money the way you do. For example, I think everyone feels that they would like to give more money to charity and spend more time volunteering, regardless of religious persuasion....but they hesitate because their money and time are already wrapped up in other things. But is that really true? The author does a great job helping you uncover your impulses, fears, and tough-to-admit greediness you have around possessions and money. And you don't have to be a spiritual or religious to understand that a little less impulse, fear, and greed will make you feel a whole lot better. She also gives very sound advice about paying off debt, handling credit, making a budget, and saving for the future. While the book is written so you read one chapter for each day of your 21-day financial fast, I decided to read the whole book thru first - to see what I was getting into. I hope to start my financial fast soon. I would recommend this book to anyone who feels like their finances could improve or that their spending has gotten a little out of control lately.

  4. 5 out of 5

    Gabrielle

    Is it too cliche to say a financial planning book changed my life? Probably, but it is true. I have just finished the book and the 21 day financial fast. The goal of the book is to better understand one's relationship with spending/consumption and gives strategies to address overspending. Make no mistake - the book is very challenging and the things that Michelle asks the reader to do seem and unreasonable. But it all works. Of note - the book is based in principles found in the Bible and ask th Is it too cliche to say a financial planning book changed my life? Probably, but it is true. I have just finished the book and the 21 day financial fast. The goal of the book is to better understand one's relationship with spending/consumption and gives strategies to address overspending. Make no mistake - the book is very challenging and the things that Michelle asks the reader to do seem and unreasonable. But it all works. Of note - the book is based in principles found in the Bible and ask the reader to perform some religious practices. This is not an issue for me as I identify as Christian. I would recommend this to any Christian hoping to change their relationship with money to achieve financial goals.

  5. 5 out of 5

    Katie Niekamp

    The only reason I didn't immediately drop this book when I first started reading it is because I'd read the reviews first. Yes, this thing is very religious. Actually, it's not just a religious slant but the POINT is religious. Regardless, I decided to read it anyway, hoping my nonbeliever status wouldn't put me too at odds with the financial points. It's hard to say where I've landed. If you are at enough of an emotional distance, you can laugh off and ignore the bits of bad financial advice th The only reason I didn't immediately drop this book when I first started reading it is because I'd read the reviews first. Yes, this thing is very religious. Actually, it's not just a religious slant but the POINT is religious. Regardless, I decided to read it anyway, hoping my nonbeliever status wouldn't put me too at odds with the financial points. It's hard to say where I've landed. If you are at enough of an emotional distance, you can laugh off and ignore the bits of bad financial advice that seep through. She warns against living in sin (aka unmarried couples) even if it is financially advantageous. She heavily promotes still giving 10% of your gross earnings to the church even if your are in a dire financial situation. There are a few other alarming nuggets like that that kind of stains the overall message. However, the fast ended up being a good thing for me. I have a harmful tendency to ignore stressful things until they become unmanageable problems. This book is all about putting a laser focus on your finances, good or bad, and asking the questions that need to be asked. I'm certainly better off after. So would I recommend this book? Ironically, I'd maybe only recommend it to people who aren't that religious and will therefor ignore the harmful bits and skim onto the cherries of actual financial wisdom. Which this book does have.

  6. 4 out of 5

    Erica Bennett

    This is my third year participating in the fast. As a Christian the book is a reminder of how different the world's way is from God's way. Just thinking about where I spend my money made me pay closer attention to where I can save. Before the fast, I had more month than money. After the fast, I realize that not only has God given me all that I need, when I am a good steward and budget my money I can even get some of things I want. I'm committed to paying off debt and to staying debt free (this t This is my third year participating in the fast. As a Christian the book is a reminder of how different the world's way is from God's way. Just thinking about where I spend my money made me pay closer attention to where I can save. Before the fast, I had more month than money. After the fast, I realize that not only has God given me all that I need, when I am a good steward and budget my money I can even get some of things I want. I'm committed to paying off debt and to staying debt free (this time). The new expanded version of the book speaks to new areas that are very helpful; the simplified budget sheets are much better than the previous ones. I confess that while I will resume getting my hair done weekly, our family will cut back on eating out and shopping in an effort to save money and maintain a balanced budget. If you are ready for change in your finances and feel like drastic times call for drastic measures, buy the book and sacrifice for the 21 days.

  7. 4 out of 5

    Destiny

    21 Days of Financial Fasting This book was ok. It made me think about my spending habits. Only buying needs and not wants was restrictive, but I did it. This book helped me remember how important budgeting is. Hoping I reach all of my financial goals this year. I try to start each new year off with a financial book, and that is how I ended up reading this book. I would recommend this book to those who want to do better financially.

  8. 5 out of 5

    Majda

    Surprisingly interesting, although the religious asides are not really for me. Many useful strategies and the fast was enlightening - not at all difficult to give up credit cards, but to ignore the iTunes shop and betterworld or amazon (or a decent bottle of wine)... not so easy!

  9. 4 out of 5

    Candace Amos

    Excellent! Though the book is heavily influenced by Michelle’s faith, she gets real about monitoring how we spend money. Read it!

  10. 5 out of 5

    Rose

    Quick review for a quick read. In all honesty, I did not like this book, though I understood what the author was intending to accomplish with it. Granted, I know there are people who need help with managing their finances. I also know there are people of faith who like having real world applications and topics tied to aspects of their faith (which is actually a good measure to use if you're motivated by tying different topics together to learn). I know of quite a number of people who have been a Quick review for a quick read. In all honesty, I did not like this book, though I understood what the author was intending to accomplish with it. Granted, I know there are people who need help with managing their finances. I also know there are people of faith who like having real world applications and topics tied to aspects of their faith (which is actually a good measure to use if you're motivated by tying different topics together to learn). I know of quite a number of people who have been able to make these bridges work effectively, efficiently, and without necessarily feeling like it's beating you over the head with information. I felt that this book was trying much too hard and didn't organically blend the material for utility's sake. Granted, there are pieces of solid financial advice here - but it felt less inspirational and motivational than some other guides to finances I've come across, and this is taking into consideration both faith based and non-faith based financial guides. Perhaps if it had better streamlined and trimmed some of the excessive material, I would've liked it much more. Overall score: 1.5/5 stars.

  11. 5 out of 5

    Thankful Reader

    This is an excellent reset book. Don't miss the message because of the religious tone. This book is full of great resources, exercises, and food for thought. This is an excellent reset book. Don't miss the message because of the religious tone. This book is full of great resources, exercises, and food for thought.

  12. 5 out of 5

    Ryan

    This book is organized around a 21-day money fast that Michele Singletary recommends readers to take. The book is heart-felt and contains excellent money tips and very solid scriptural explanations. Singletary has written the excellent "Color of Money" column in the Washington Post for years. I read this book at the same time as Love Your Life Not Theirs by Rachel Cruze. It is an interesting comparison. They are both excellent books, and are very consistent with the advice they give. Of the two, This book is organized around a 21-day money fast that Michele Singletary recommends readers to take. The book is heart-felt and contains excellent money tips and very solid scriptural explanations. Singletary has written the excellent "Color of Money" column in the Washington Post for years. I read this book at the same time as Love Your Life Not Theirs by Rachel Cruze. It is an interesting comparison. They are both excellent books, and are very consistent with the advice they give. Of the two, I would say that Michele's is much more Bible-based and has more examples from lower-income people that the author has helped. The Rachel Cruze book focuses a lot on the pressures to faced in the modern climate of social media and easy credit. Her examples seem to focus more on millennials and middle-to-upper class readers, but I think that the principles are good for anyone.

  13. 5 out of 5

    Melania Monique

    So first and foremost, this is a great book for those seeking a way to reset their minds about how they spend their money. It’s especially helpful if you read it first thing in the morning as it helps set your mind to not spend money on non-essentials throughout the day. However, she does write from one viewpoint on most things - primarily that of being married with children. She also talks a lot about people with shopping addictions - which I don’t have but doesn’t mean this fast isn’t good for So first and foremost, this is a great book for those seeking a way to reset their minds about how they spend their money. It’s especially helpful if you read it first thing in the morning as it helps set your mind to not spend money on non-essentials throughout the day. However, she does write from one viewpoint on most things - primarily that of being married with children. She also talks a lot about people with shopping addictions - which I don’t have but doesn’t mean this fast isn’t good for other people. She does mention how this fast could also be helpful for good stewards of money, but it feels like an afterthought. While it is still good, and I did learn a lot, it did feel somewhat short-sighted and geared towards one type of person. It would be really nice if she came out with a few different editions geared towards other types of people, such as single people, those without children, and good stewards of money. Ultimately, I feel that I’m a good steward, but there’s always room for improvement. This did help me set my mind on the idea that just because I have it, doesn’t mean I have to spend it.

  14. 4 out of 5

    Bobbi Woods

    Michelle Singletary does a good job of analyzing why we spend money and how to change bad habits. For the most part, I think I am pretty cheap--always pack my own lunch rather than buying it, rarely ever get Starbucks, etc.--but this book helped me see some areas where I need improvement, mostly in the category of shopping if I don't *need* something and making an effort to save more. The book encourages you to read a chapter a day for 21 days and perform a "spending fast." Chapters cover topics Michelle Singletary does a good job of analyzing why we spend money and how to change bad habits. For the most part, I think I am pretty cheap--always pack my own lunch rather than buying it, rarely ever get Starbucks, etc.--but this book helped me see some areas where I need improvement, mostly in the category of shopping if I don't *need* something and making an effort to save more. The book encourages you to read a chapter a day for 21 days and perform a "spending fast." Chapters cover topics such as why you should give 10% of your income to your church, keeping a journal of your spending habits, entitlement (it's just not for teens!), teaching your children about managing money, different approaches for paying off debt, caregiving (either for your parents or preparing yourself with long-term care insurance for yourself and spouse). Each chapter topic is related to a Bible passage or two, which was interesting. I didn't realize money and wealth was mentioned so much!

  15. 4 out of 5

    Nancy

    This book is an excellent eye-opener for those interested in being more mindful of good financial habits. The “fast” (from unnecessary spending and use of credit cards) serves as a shock treatment to focus your financial thoughts, and during those 21 days, there is a specific task each day to accomplish - like tracking spending, developing a budget, analyzing wants vs.needs, etc. The reader may be put off by the strong Christian emphasis throughout the book, especially regarding tithing, but ther This book is an excellent eye-opener for those interested in being more mindful of good financial habits. The “fast” (from unnecessary spending and use of credit cards) serves as a shock treatment to focus your financial thoughts, and during those 21 days, there is a specific task each day to accomplish - like tracking spending, developing a budget, analyzing wants vs.needs, etc. The reader may be put off by the strong Christian emphasis throughout the book, especially regarding tithing, but there is no attempt to proselytize, and the financial advice and steps are not any less valuable because of the Christian flavor.

  16. 4 out of 5

    Stef

    Very disappointed with book- it has ths wrong title - should say "21days with the Bible to financial freedom" I only read up to page 60. If I wanted to read a bible I would read a bible,! Nothing in the information of the intro did it have "will quote the Bible every page". I got the book free on Amazon Prime 2-2-2021. Totally disappointed since I did not get thru the 21 days since I stopped at page 60 day 4.. I've done the Budget Boot camp with Jordan Page and I will stick with that information. Very disappointed with book- it has ths wrong title - should say "21days with the Bible to financial freedom" I only read up to page 60. If I wanted to read a bible I would read a bible,! Nothing in the information of the intro did it have "will quote the Bible every page". I got the book free on Amazon Prime 2-2-2021. Totally disappointed since I did not get thru the 21 days since I stopped at page 60 day 4.. I've done the Budget Boot camp with Jordan Page and I will stick with that information. . .doing spending freezes for weeks at a time. And only spending $100 per person a month I learned more about my budget and what I need to do with Jordan Page.

  17. 4 out of 5

    Michelle Barnett

    I'm always so frustrated by people who make personal finance religious. There's no need to muddle the two. If you skip all the bible verses and calls to prayer you'll only have about 50% of the book left, if that. The advice is fine, but the message is lost. It feels like being stuck in a grocery line with some really pushy older southern Christian lady who notices your cart and gives you some great cooking advice but then can't shut up about how she really thinks you need to come to Sunday Scho I'm always so frustrated by people who make personal finance religious. There's no need to muddle the two. If you skip all the bible verses and calls to prayer you'll only have about 50% of the book left, if that. The advice is fine, but the message is lost. It feels like being stuck in a grocery line with some really pushy older southern Christian lady who notices your cart and gives you some great cooking advice but then can't shut up about how she really thinks you need to come to Sunday School with her so no matter how good the advice is, it's really quite soured by the pushiness.

  18. 4 out of 5

    Diane

    As we are now in the season of Lent, I thought it would be appropriate to take a fast from unnecessary spending. This book was helpful in making me aware of how I spend my money and am I being consistent with my values. While I did not keep the journal, I did spend time thinking about her questions and doing some of the exercises. Would recommend for people who don't mind their personal finance information coming from the Bible. As we are now in the season of Lent, I thought it would be appropriate to take a fast from unnecessary spending. This book was helpful in making me aware of how I spend my money and am I being consistent with my values. While I did not keep the journal, I did spend time thinking about her questions and doing some of the exercises. Would recommend for people who don't mind their personal finance information coming from the Bible.

  19. 4 out of 5

    Naomi

    This was such a good read to start the year off with for our finances. Michelle Singletary doesn't give a lot of advice of how to spend your money or make money saving changes to your budget, but gives you the tools to see where your money is going. It was good to not spend for a while and see how some of those "needs" were really "wants." I recommend this book if you want to take a deeper look at your finances and get them under control. This was such a good read to start the year off with for our finances. Michelle Singletary doesn't give a lot of advice of how to spend your money or make money saving changes to your budget, but gives you the tools to see where your money is going. It was good to not spend for a while and see how some of those "needs" were really "wants." I recommend this book if you want to take a deeper look at your finances and get them under control.

  20. 4 out of 5

    Latoya

    Amazing This book really does give you the tools to succeed. Michelle is amazing. She has helped me and given me different tools and shown necessary steps that I know in the next 6 months my debts will decrease in half. Also, my spending habits have curved and I am all about saving and investing. I’m blessed and grateful. She deserve more than 5 stars!

  21. 5 out of 5

    LaQuana McNeil

    Loved this book! Helped me realize that I had major work to do with impulsive buying and the use of plastic. Michelle gives readers a guide to building a budget, taking a look at your spending on a daily basis and suggest using cash more often. This book has helped me with my spending habits and I’ll be sure to share the knowledge learned with others.

  22. 4 out of 5

    Tereia Joe

    This book was a good read and I do remember reading this before many years ago but it's not a book you should read again to get reminded of what's important. Fasting is something we should all do whether it's food or financial or whatever I enjoyed reading these and while not everything applied to me I got useful information from it. This book was a good read and I do remember reading this before many years ago but it's not a book you should read again to get reminded of what's important. Fasting is something we should all do whether it's food or financial or whatever I enjoyed reading these and while not everything applied to me I got useful information from it.

  23. 4 out of 5

    Shirley

    Good, solid advice with a Biblical perspective. The readings for each day are not necessarily one day tasks by any means, for example, preparing a budget. I am a CPA and just as a matter of training I am on top of financial matters but I feel this book can benefit anyone wherever they are on their financial and stewardship journey.

  24. 5 out of 5

    Lisa

    I think it's a scream that I bought this book. But seriously, you can get everything you need out of this book with the sentence: "for 21 days only buy the bare minimum". Just having the book in your possession helps to remind you of that when you're poised to make an impulse purchase. There you go, you owe me the cover price of the book. I think it's a scream that I bought this book. But seriously, you can get everything you need out of this book with the sentence: "for 21 days only buy the bare minimum". Just having the book in your possession helps to remind you of that when you're poised to make an impulse purchase. There you go, you owe me the cover price of the book.

  25. 4 out of 5

    Courtney

    This book is a repeat read for me. Lots of insight on strategies for simplifying your money and your overall lifestyle. There are matching resources on her website that are also valuable. Our family plans to do the fast again at the beginning of 2018!

  26. 5 out of 5

    Tamara

    This book has changed my life and confirmed what I am doing Love all the assignments she given us and how it open your eyes to changing things in your life. She and her big mama was the best at saving money its time. I get like them

  27. 4 out of 5

    marilyn edwards

    Great guide This book has helped me get on the right path to financial freedom. I have not been the best steward of my finances, but this book has gotten me on the path I need to be on.

  28. 5 out of 5

    Tia

    Getting ready to roll in $$$$ On my way to greater peace of mind after reading this book. It will serve as a great blueprint to do better with my $ regularly. Starting my first fast tomorrow. Fingers crossed.

  29. 4 out of 5

    Jenny

    She lost me in the chapter where when married couples have different opinions on finances, she dictates the wife must "submit" to the husband's views for the sake of unity. Girl, this is 2019. Get after it. She lost me in the chapter where when married couples have different opinions on finances, she dictates the wife must "submit" to the husband's views for the sake of unity. Girl, this is 2019. Get after it.

  30. 4 out of 5

    Betsy Bauer

    This book was good. It was similar to Dave Ramsey’s principles and I enjoyed the reminders of smart spending habits. There were a couple things I didn’t agree with regarding money but they are just my opinions. I appreciated all of the biblical guidance in the book as well.

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