At CedisPay, we understand that achieving financial wellbeing isn't just about knowing what to do—it's about doing it. Financial success isn't achieved through knowledge alone, but through consistent, actionable behaviors that are backed by solid psychological principles. This is where Sean Young's groundbreaking book, Stick with It, comes in.

Young provides a science-based roadmap for creating lasting change in our lives. He introduces the ABCs of Behavior Change—Anchor, Behavior, and Community—and explains how we can use these principles to transform our financial habits. Combined with seven psychological forces, this framework provides the tools necessary to sustain meaningful financial change. Let’s take a look at how these forces and the ABCs of behavior change can be applied to achieving financial success.

The ABCs of Behavior Change: Anchor, Behavior, and Community
• Anchor: Creating a foundation that triggers your new financial behaviors.
• Behavior: Taking consistent action to form lasting financial habits
• Community: Surrounding yourself with a supportive network to stay motivated
These three elements form the base of any lasting financial change. But how do we ensure that the new behaviors stick? This is where seven psychological forces come into play.

• Anchor + Stepladders: Small Steps to Big Wins: The concept of anchor is about linking your new behavior to an already-established habit. For instance, set up an automatic savings plan that triggers each time you receive your paycheck. This small action is anchored to a reliable event—your payday—and builds momentum toward your financial goals. When paired with Stepladders (taking small steps), you break down your larger financial goals into manageable pieces. Saving for a rainy day fund can seem daunting, but if you start with saving a small percentage each month, it feels less overwhelming. Over time, you can scale up and increase your savings, all thanks to a steady, anchored approach.
• Behavior + Easy: Keep it Simple: Making your desired behavior simple and easy to execute increases the likelihood of success. In the world of personal finance, small actions like setting up automatic payments for bills or using budgeting tools (like CedisPay’s app) to track your spending are examples of easy behaviors you can implement immediately. When a behavior is easy to perform, it requires less mental energy and feels more like a natural part of your routine. This reduces the chances of procrastination and increases consistency—both of which are vital for long-term financial success.
• Community + Important: Make Your Financial Goals Meaningful: Building financial habits can feel isolating, but with Community, you create an environment of accountability and support. By joining a group or community of people with similar financial goals, you’re more likely to stick to your plans. When combined with the Important psychological force, your behavior takes on new significance. Whether it’s saving for your child's education, buying a house, or achieving financial independence, anchoring your goals in something that’s personally meaningful to you enhances your drive to succeed.
• Anchor + Neurohacks: Boosting Motivation: Neurohacks are techniques to reframe your thinking and increase motivation. Anchoring your new behavior to a trigger that excites you can hack your brain's motivation system. For instance, if you associate saving money with your long-term dream of traveling the world, your brain will start to look at saving as a fun, rewarding task. When you create positive associations with your financial actions, you're more likely to stay committed. Whether it's the thrill of seeing your savings grow or the excitement of being debt-free, the more motivating your anchor, the easier it is to stick to your financial goals.
• Behavior + Captivating: Make it Fun and Engaging: Behavior that’s captivating is behavior that’s fun. When the journey is enjoyable, you’re more likely to stay engaged. At CedisPay, we encourage users to make their financial goals enjoyable by gamifying their progress. Set challenges for yourself, like saving a certain amount each month, and reward yourself for reaching milestones. You might create a savings competition with friends or use CedisPay's app to track your financial progress. The more engaging and captivating your financial behavior is, the more it becomes a part of your routine.
• Community + Stepladders: Growing Together: One of the greatest assets in any financial journey is the support of a community. When you share your financial goals and milestones with others, it reinforces your commitment. Paired with Stepladders, breaking down big financial goals into smaller steps, you have a reliable structure that you can share and celebrate with your community. Whether it's getting feedback on your progress or simply having others cheer you on, a strong community can help keep you focused and motivated to reach your goals. It's not just about your success—it's about growing together.
• Community + Engrained: Creating Lasting Change: As you continue to engage with your community and follow your financial steps, your behaviors become more engrained. The sense of accountability and encouragement from your group makes your good financial habits automatic. You begin to take consistent, deliberate action without even thinking about it. The key here is that lasting financial change is built from the support of others, making the behavior an integral part of your daily life. As you develop a supportive community and engrain financial habits into your routine, you’ll begin to see the compounding effects of your hard work.

How CedisPay Supports Your Financial Transformation

At CedisPay, we believe that lasting financial change begins with consistent action. Our tools are designed to help you anchor your new financial behaviors, simplify your financial processes, and connect you to a community of like-minded individuals.

From budgeting tools to personalized financial coaching, we provide everything you need to turn knowledge into action. Start with small steps, build your financial habits, and join a community that supports you every step of the way. With the right psychology, we can help you not just manage your finances, but transform your financial future. Take control of your financial journey today with CedisPay. Start small, stay consistent, and change your financial future for good.