New Year’s resolution? There’s an app for that too!

For some, New Year’s resolutions barely make it past New Year’s Day. But for those with a little more grit, there is a new slew of mobile apps and interactive websites – including some offering financial incentives – designed to help them stick to their goals.

“It’s a simple idea based on just increasing the price of your vice, and this is a technique people use all the time,” said Yale University Economics Professor Dean Karlan, co-founder of StickK, a website that allows people to sign contracts for achieving their personal goals – and pay up when they don’t make it.

“We say we want to lose weight, but when a temptation, say chocolate, is presented to us, we opt with the short term temptation,” he added.

StickK and other websites and mobile apps like it use a variety of techniques, ranging from the honor system to trusted, third-party “referees,” electronic monitoring and even strictly-controlled certification by doctors, to verify whether or not goals have been met and whether payouts or fines are due.

A financial loss raises the price, so to speak, “so when that temptation presents itself, succumbing is more expensive,” said Karlan.

According to StickK, the result of their work is 2.5 million cigarettes that haven’t been smoked, more than 300,000 workouts completed and $12.2 million that have been pledged.

An estimated 45 percent of Americans make New Year’s resolutions every year, but roughly half of them experience “infrequent success,” according to the University of Scranton, Pennsylvania’s Journal of Clinical Psychology.

“People do things all the time that don't match their long-term goals,” said Karlan.

“At any point in time many of us are tempted by things in the short run and figure what harm will this little deviation really have – I'll get started tomorrow. But if you add financial incentives, or somehow make it more costly to give in to temptation, you significantly increase your chances of success.”

Whatever your goal – from losing weight and getting in shape to saving money, getting organized and reaching out to family and friends more, there’s almost certainly an app designed to help.