Stick with Your Resolutions or Pay

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.)

Related: 5 Most Common Money Mistakes (and How to Avoid Them)

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, minus the site's transaction fees) should you not succeed. The recipient can be an individual (think of it like a friendly bet gone digital), charity (you can't specify which one, but stickK has donated forfeited funds to the Red Cross, United Way, and others), or an anti-charity - an organization whose interests are diametrically opposed to your personal or political beliefs (options include the William Jefferson Clinton Presidential Library and the George W. Bush Presidential Library, respectively). If knowing that a sworn enemy will get your hard-earned cash isn't enough to keep you motivated, then what is?

For more ways to break-proof your New Year's vow, check out our advice on boosting your resolution willpower.

- By Amy Roberts

How do you stick with your resolutions?

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