Something fundamental seems to be taking shape as I use Berminder. It's probably deeper than a simple behavioral shift. It's a new way of being in the world. I find myself acting promptly on the items of my todo list. I move from one task to the next with an urge I didn't know before. I no longer ask myself if I 'feel' like doing the jobs. It's replaced by a sense that the tasks need doing, period. The self-imposed financial penalties encourage this process. But once it becomes a pattern and a habit, it will most likely continue to generate the zeal to act. The mental strategy is likely to stay even in the absence of a financial penalty. It becomes a commitment.