Backed by science. Designed for your wellbeing

At CedisPay, we believe wealth is built one habit at a time. Whether you're budgeting, saving, or getting out of debt — your habits are your strategy. Research shows it takes about 66 days to form a new habit — but with the right tools and environment, it can be faster and easier.

Here are 5 science-backed strategies to help you build financial habits that last:
• Habit Stacking: Link your new habit to something you already do. “After I check my mobile money balance in the morning, I will update my spending tracker.” This technique leverages your existing routine to create automatic consistency.
• Temptation Bundling:Pair something you want to do with something you need to do. Only listen to your favorite podcast while reviewing your weekly budget. When you bundle, hard tasks feel rewarding.
• Environmental Design: Set up your surroundings to support your goals. Use clear jars for savings, automate transfers, and keep your financial goals on your phone lock screen. Make the right behavior the easiest one.
• Start Tiny (Really Tiny): Big goals can feel overwhelming — start ridiculously small. Instead of “I’ll save GHS 500/month,” try “GHS 5/day.” Small wins compound. Consistency beats intensity.
• Track Progress Visibly: What gets measured gets improved.

Use the CedisPay My Financial Wellbeing App to track income, expenses, and savings progress in real-time. Visual cues reinforce progress — and keep you motivated

📱 Ready to turn better habits into better finances? Start building today with the free CedisPay Budget App. 👉 https://cedispay.com.gh/budget 📸 Want a quick reminder? Here’s a simple image to keep these 5 habit strategies front and center. 🖼️ (Attach the clean infographic) #BuiltOnTrust #BackedByScience #PoweredByPurpose #CedisPay #AtomicHabits #FinancialWellbeing #BehavioralFinance #GhanaMoneyMatters #WealthCreation #BudgetBetter #SmallStepsBigWins