Actually derailed? Ha! Good for you, if risking $5 is enough to help you get to what’s important!
I think the highest fee I’ve paid out to Beeminder so far was $90, but I’ve done so 2-3 times. I’ve gotta have sent Beeminder several hundred USD over the past 2.5 years. And I am not exactly well-to-do.
I’ve had lots of derailing from poorly formulated goals, insufficiently thought out efforts. I didn’t follow the advice to use Beeminder as the nuclear option, to make sure I had support infrastructure down before I said yes to stuff.
I try to track incremental actions over outcomes. I run into problems underestimating work and complications leading to an outcome, and there have been times where I screwed myself over with multiple goals at the same time. Back when I was mostly Beeminding outcomes, I failed a lot, and I failed pretty hard.
The option of explicitly risking something every time has helped me rethink what I commit to, and why. It also provides a series of successive reality checks–I might think I can commit to something, as part of some larger plan. But if so, I should really be willing to bet on it.
I’ve had a few “Do X amount of work per day on this”, and those have blown up in my face, because I hadn’t sat down and thought about what it would take to make that commitment. What would I have to give up? How would I need to restructure my schedule? Losing $5, $10, $15, $30 really drove home that maybe this really wasn’t a fluke that day. It’s helped me acknowledge that I really do struggle with stuff, and that it’s worth it to take a very earnest and explicit approach to getting the important things right. (Which means: stop freaking relying on intuitions I don’t have, and do the calculations.)
It’s also helped me to see when I’ve underestimated the complexity/difficulty of changing a particular behavior. It’s helped me see where my blind spots are–where I can’t just rely on my intuitions like everyone else seems to do. I’d really prefer to lose less and less money this way, but so far I’ve found this helpful feedback.
So: I think that sums up the unique things I’ve gotten out of using Beeminder!