+1 about YNAB (You Need A Budget) making small fines more effective. I recently started using it, and it's really upped the sting of even $5 derailments. It forces me to acknowledge the opportunity cost of using that money to pay for my procrastination (instead of that cool thing I'm saving up for). Not to mention it's the most effective approach to budgeting I've encountered so far.
[6/5/2017: YNAB just started a referral program so I've edited the link above to be my referral link. If you try it, like it, and subscribe, we both get a free month. But I was happy to recommend it before, and my feelings haven't changed!]