Taking the Right Lesson From Scrooge

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¿ Principle 5: Transformation requires action.

Want to change your money script? Get this book. You won't be able to do better with your money if you don't recognize the issues blocking you from implementing a good financial plan.

To become a member of the Color of Money Book Club, all you have to do is read the recommended book. I also invite you to join me online to chat with the authors. They will join me online at noon Dec. 20 at washingtonpost.com.

In addition, every month I randomly select readers to receive a copy of the book, donated by the publisher. For a chance to win a copy of "The Financial Wisdom of Ebenezer Scrooge," send an e-mail to colorofmoney@washpost.com. Please include your name and an address so we can send you a book if you win.

¿ On the air: Michelle Singletary discusses personal finance Tuesdays on NPR's "Day to Day" program and online athttp://www.npr.org.She also has a new personal finance call-in show that airs Sundays on XM Satellite Radio, Channel 169 "The Power," from 8 to 10 p.m.

¿ By mail: Readers can write to her at The Washington Post, 1150 15th St. NW, Washington, D.C. 20071.

¿ By e-mail:singletarym@washpost.com.

Comments and questions are welcome, but because of the volume of mail, personal responses are not always possible. Please note that comments or questions may be used in a future column, with the writer's name, unless a specific request to do otherwise is indicated.

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