Michelle Singletary 21 day fastWhether you’re in good financial shape or far from it, join us on a 21-day financial fast led by Michelle Singletary, who writes “The Color of Money” personal finance column for the Washington Post.

“Are you tired of being in debt?” Singletary asks. “Can’t figure out where to find money to save? Or maybe you’re handling your money well but you want to be even better.” For three weeks, Singletary will help Fierce readers and others around the country make improvements in their financial health.

The fast begins on Monday, Jan. 13, and is based on Singletary’s book, The 21-Day Financial Fast: Your Path to Financial Peace and Freedom (Zondervan, $15.99). The book includes daily exercises and tips to help you move closer to your goals — whether you want to spend less, build an education account, save for retirement, buy real estate, pay off a house, bring down college loans or expand your investment portfolio.

This is not a microwave fix,” Singletary warns. “You can’t get out of debt [in three weeks] unless you only have $21 in debt.”

Here’s how to get started:

1. Click here to buy the book, which also has guidelines for tracking spending, debt and budget goals.

2. Be

prepared to keep credit cards in your wallet. You’ll also have to give up non-essential products and services for three weeks.

3. Choose an accountability partner for encouragement and to help you resist temptation. Singletary says that she’ll be your partner if you don’t have one.

4. Check our 21-day countdown and at Singletary’s fasting site for tips and incentives. You can also download financial templates.

5. Along the way, share your stories of triumph, challenge, tips and other updates on our Facebook page and on Twitter @fierceforbw. Use the hashtag #financialfast. You can also comment below and/or email us at info@fierceforblackwomen.com. Follow Singletary @singletarym.