Editor’s Note: This article is the fourth in a series of sponsored posts for the Barclays Savings Challenge. Missed the first three? Catch up here. — How long does it take to form a new habit? Depending on who you ask, the answer could range from 21 days to two…

Editor’s Note: This article is the third in a series of sponsored posts for the Barclays Savings Challenge. Missed the first two? Part 1 and Part 2. So you’ve identified your beliefs about money and decided to change your (bad) savings and spending habits. How do you start? The first…