It's often said that it takes 21 days to form a habit. But anyone who buys a cookie for two days straight and can't resist it on the third day knows that the science of habit forming is a little trickier than that. Habit forming is affected by the difficulty of the new habit, the amount of focus you invest and even your personality—some people are "habit resistant."
So how do you develop a savings habit? Follow these suggestions to put you on the path to being a better saver.