Washington Post personal finance columnist Michelle Singletary offers encouragement for those participating in her 21-day financial fast. On day seven, she says don't be afraid of budgeting. (Sade Dennis Media)

When you prepare for a road trip and you are going to a place you’ve never been, you are likely to map out your journey. Or you probably have a GPS to help you find your way. For me, that’s what budgeting is. It’s a road map to prosperity. It will help you get to where you want to go financially.

There are those who say people won’t budget, so why bother telling them to do it. But you have to know what’s coming in and what’s going out. How will you be able to pay down debt if you don’t know where in your budget to find the extra money you need to pay it off? And yes, the budget has to be detailed, at least at first. When you are living paycheck to paycheck, if you don’t account for every expense and every dollar, a financial hiccup – car repair or nonrecurring expense – can put you deep in the red.

So today in “The 21 Day Financial Fast,” it’s all about budgeting. You may not want to budget, but how’s not having one working for you? Watch today’s video. I get choked up remembering one woman who just couldn’t bring herself to do her budget. But there’s inspiration for you if you are like her.

If you have questions about the fast, tweet them to @SingletaryM. Use the hashtag #financialfast.

Join the conversation about the fast and budgeting on our Budget Bootcamp Facebook page. If you missed any of the daily videos, click here.