How much is it worth to you to change a habit? Would you be willing to pay if you failed? Invest in Yourself http://www.21habit.com/
I saw a mention about 21Habit.com in an article in Runner’s World. You can commit $21 toward a 21-day goal. Every day you meet your goal, you get a dollar back. When you don’t meet the goal, it goes toward a charity. I’m going to give it a try beginning November 1.