Well, here's my sister-in-laws new year's resolution 'sword of Damocles'. She gave me $150 bucks to hold onto. She told me that she has to go to her gym regularly each week this month; if she doesn't follow through, I am to send her $150 to the re-election campaign of a certain politician that she detests....! You can, of course, choose your own poison with this scheme. Maybe your deal could be that if you follow through and get the money back, you can use it on a new guitar ...