Quit smoking, lose weight, get in shape. Now that we are three weeks into 2010, how many of us need help sticking to our New Year's resolutions? Consider signing a "commitment contract" that would set forth, for example, an exercise goal over a period of time, and what it will cost you if you fail to meet that goal. Because loss aversion is a powerful psychological tool, the idea is that you will be more inclined to stick to the desired behavior (exercising) rather than incur a penalty.