Beminder is not for everyone. Personally it has changed my life for the better. Before I didn't have discipline, now I'm impressed with my accomplishments in several areas of my life. From shaving, pushups to 3D design, writing and losing weight. At one point I was keeping track of 21 habits with beeminder, now only 12.
I prefer to pay and still having this amazing tool than losing what I described above.
You can do the same without beeminder. The point is that having a punishment if you don't do what you said you will do is a good motivator.