The 'money ladies' financial guide for 2025

In this book, Michelle Singletary introduces a revolutionary 21-day financial fast designed to help individuals break free from excessive consumerism and develop a disciplined approach to personal finance. The fast involves avoiding non-essential spending for three weeks, tracking expenses meticulously, and making informed financial decisions. The book provides practical tools and exercises, such as crafting a comprehensive budget, differentiating between needs and wants, and creating an emergency fund. It also includes strategies for becoming debt-free with the Debt Dash Plan and preparing for future expenses. The goal is to foster greater awareness of personal spending habits, cultivate financial discipline, and achieve long-term financial stability and peace.