7 Proven Ways to Build Habits That Stick

Building habits isn’t just about willpower, it’s about creating systems that make success inevitable. Whether you’re aiming to improve your health, grow your wealth, or boost productivity, the right habits can transform your life. Here are seven proven strategies to build habits that stick.

1. Start Small and Specific

Big goals often fail because they feel overwhelming. Begin with micro-habits – small, actionable steps that are easy to maintain. For example, instead of “save more money,” start with “transfer €50 to savings every payday.”

2. Anchor New Habits to Existing Ones

Linking a new habit to an existing routine makes it easier to remember. If you already check your bank app every Friday, add a quick review of your spending habits at the same time.

3. Make It Visible

Visual cues reinforce behaviour. Use reminders, trackers, or apps to keep your habit front and centre. For financial habits, set alerts for savings milestones or investment contributions.

4. Focus on Identity, Not Outcomes

Instead of saying “I want to save €10,000,” say “I am a disciplined saver.” When habits align with identity, they become part of who you are.

5. Remove Friction

Make good habits easy and bad habits hard. Automate savings, schedule workouts, or pre-plan meals. For financial goals, set up standing orders so saving happens without effort.

6. Track Progress and Celebrate Wins

Monitoring progress keeps motivation high. Use habit trackers or spreadsheets to see how far you’ve come. Celebrate milestones – even small ones – to reinforce positive behaviour.

7. Embrace Consistency Over Perfection

Missing a day doesn’t mean failure. Focus on getting back on track quickly. Habits are built through persistence, not perfection.

Final Thoughts

Building habits that stick is a powerful way to achieve long-term success – in life and in finance. Start small, stay consistent, and watch your goals become reality.

Ready to build financial habits that last? Book a confidential consultation with Chartered Capital today.

The content of this article is for information purposes only and does not constitute a personal recommendation. You should always speak to a financial adviser that is regulated by the Central Bank of Ireland when considering financial advice. Any recommendation made will be based on a full suitability assessment that will include a comprehensive review of your circumstances, needs and objectives. Past Performance Is Not A Guide To Future Returns.