Some quick tips for creating consequences:
1) Choose something that is specifically unpleasant to you. Think along the lines of annoying
rather than harsh or physically painful. Some ideas:
- No morning cup of coffee if you don't get up and workout
- You don't complete your goal for the day, no guilty pleasure (bubble bath, evening glass of wine, favorite TV show)
- No money left in your budget because you went over, no happy hours with the girls
2) Ask for accountability. Tell a couple of close family members or friends about your goal and ask them to hold you accountable. For example:
- Your goal is to eat healthier, your consequence can be to pick up the tab for a friend if you don't make a healthy choice when eating dinner out.
- Your goal is to make better financial choices, you can ask a friend to go to the grocery store with you to ensure you stick to the list or the budget.
3) Get it over with. The longer you put something off, the larger the task becomes. A trick I often use with cleaning or organizing that needs to be done is to set a timer for 10 minutes and get as much done in that time frame as you can. Usually, 10 minutes is enough to complete the task, and if not, it's enough time to create motivation and get that piled cleared off the counter. If you really find yourself slacking, don't allow yourself to move forward until it's done. (No more shopping period if you don't set a budget, no going to bed until the kitchen is clean, etc.)
4) Create an if/ then list. This sounds incredibly boring, and can be very boring, but it will help you play out the long term consequences of not meeting your goals. You set them for a reason right? Example:
If Then
-I don't stick to my budget - I won't be able to afford the beach vacation.
-I don't workout today -I will be one day further away from doing 25 pushups
-I don't work on that paper for class -I will have to pull an all-nighter tomorrow and miss the party
-I eat this whole pint of ice cream -I may not fit into the bridesmaid's dress I am overpaying for
Bonus:
5) Don't underestimate the power of rewards. This doesn't exactly fall under the consequence category, but I use this all the time with my child and teen clients. There is no reason it won't work. If you promise yourself a new outfit for getting to the gym four times a week for a month, you have something to look forward to. If you need to, create a reward chart with a clear goal and clear reward set at the beginning. Give yourself a minimum goal (i.e. I will make 80 percent of my meals at home for 1 month) and give yourself a star every time you do that. Make sure you write your reward on the chart as well (I will earn a pair of tickets to that concert). You can choose if you want to add the opposite consequence if your goal is not met- no 80%, no concert.

Happy Goal Reaching!