While setting goals and sticking to them is a great way to change your habits, it’s not always enough on its own. You might want to set an incentive for yourself as a reward for reaching your goal. Or, you can try embarking on a habit change while you’re in a new environment (such as a vacation) where you won’t be tempted by the usual social cues or surroundings. Also, money-management tools can help! If one of your habits is spending too much and not saving enough, with N26, you can create separate spaces that sit alongside your main account. Once you reach your savings goal, reward yourself with some chocolate cake!