Here’s an interesting concept:
Set a goal.
Choose the stakes (i.e. what you’re willing to lose if you don’t reach your goal).
Commit to it on-line.
Get a referee (a friend or family member) who knows your goal and will help monitor it.
Choose a support group.
Meet the goal.
Do all that here at StickK.com.
I just set up a profile to commit to paying off my student loans. My user name is AmyF if you’d like to stalk me…er…support me.