Backed by science. Designed to work anywhere — especially with your money.

• Identity First: Start with who you want to become, not just what you want to do. “I’m a wise steward of my money.”
• Set a Clear Goal 🌟:
  • What: Be specific, time-bound, and emotionally connected
  • When to use: Before starting
  • How: “I will save GHS 1,000 by September 30 for my school fees.” Clarity fuels focus.
• Habit Stacking: Attach new habits to existing routines. “After my lunch break, I’ll log my expenses.”
• Start Tiny: Shrink the habit so small it feels effortless. Save just GHS 2/day. Tiny steps unlock big momentum.
• Environmental Design: Make good habits easy. Make bad habits hard. Automate transfers. Keep a goal reminder on your fridge.
• Temptation Bundling: Pair hard tasks with enjoyable ones. Only drink your favorite tea while budgeting.
• Track It Visibly: Use the CedisPay Budget App to see your savings progress. What’s visible stays top of mind.
• Set a Trigger & Make It Easy: Leave your savings jar on your desk. Schedule reminders on your phone. Make the habit obvious and frictionless.
• Build in Accountability 👥:
  • What: Share your habit with someone who’ll check in
  • When to use: For high-stakes or easily-skipped habits
  • How: Use a friend, coach, or the CedisPay app’s built-in progress features. Accountability increases success by up to 95%, according to research by the American Society of Training and Development.
    How to Use This:
    • Pick your habit and set a clear goal
    • Apply 3–5 of the 9 strategies
    • Track it, tweak it, and talk about it
    • Build momentum — not perfection

📲 Start today with the CedisPay My Financial Wellbeing App 👉 Click Here Wealth isn’t built in a day. It’s built daily. Let’s grow one habit at a time.