iOS: If you just signed up for a gym membership, completely convinced that you'll go every day this year, keep in mind you're essentially throwing money away when you don't go. If you need a little more motivation to make the trip and work out, Gym-Pact is a new iOS app and webapp that lets you put your money where your mouth is. Go to the gym and check in with your phone and you'll be rewarded with cash payouts. Skip your workouts, and the service penalizes you and your bank account. More »