I’m so glad that you posted here seeking help.
You can easily block your credit card if you see your goal is not going well.
To me, this literally screams that you need some assistance in creating achievable goals. I would encourage you to share some of your goals here, along with your struggles with those goals when you encounter difficulty. But of course, only if you’re comfortable doing so.
If you’re like me, some things I’m personally attacking with beeminder took me years or a lifetime of bad habits. The bad habits aren’t going to magically disappear overnight just because we have an app.
If you know anything about fishing, you might know that if you try to pull in too heavy of a fish, or try to pull in too quickly, the line will snap. Your beeminder goals are going to have some strength to them, but if they are too aggressive, you’ll break right through them. So you need to learn how to adjust them so they nudge you in the right direction, rather than attempt to force you.
You can bring in a large fish on a weak line if you’re patient and give it a lot of slack.
I’ll give you one simple example. “They say” you should drink 64 oz of water every day. But I don’t like drinking water. So I made a goal to drink one bottle of water per day, which for me is 23 fluid ounces. That’s far less than the idealized amount that I should be drinking. Then I keep track of how much water I drink per day. It’s a bit difficult for me, but I know that I can do it.
I also know that over time, as I get more and more used to drinking water, it’ll probably get easier and easier. And then I’ll start seeing the graph increase, giving me lots of buffer. Once that happens, I’ll either ratchet my goal to make sure I keep drinking water every day, or at some point I’ll probably change the slope by requiring myself to drink 30 fluid oz, 40 fluid oz, etc.
Personally, I want my goals designed such that if I put in a little extra effort for a week or some period of time, I’m building up a buffer.