Have you already given up on your New Year's resolutions? Depending on what survey you follow, anywhere from a third to three-quarters of resolutions don't make it to Valentine's Day. But it's not too late to reassert yourself! And StickK.com may be just the tool to get you back on track.
Related: How to Go on a Spending Diet
This clever website, created by Yale professors, encourages you to make a "commitment contract" -- and even put your money where your promise is. (The site is founded on principles of behavioral economics.)
How it works:
You create an account, commit to your goal and time frame, add your stakes (that's the money part -- more on that in a moment), elect a referee (so you won't cheat!), and nominate supporters to cheerlead your efforts. Setting stakes isn't required, but this incentive is really the magic of the site - you opt to forfeit a set amount of money (via your credit card,Read More »from Stick with Your Resolutions or Pay