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Ever wish you would actually be held accountable for not going to the gym? Now you can pay with more than just your growing waistline thanks to GymPact, a new website and iPhone app that rewards you for hitting the treadmill and punishes you for, well, not.

Upon signing up, you establish the number of days per week you want to exercise and the monetary stakes you're willing to pay weekly if you don't (say, $5). You prove your commitment by checking into your gym with GymPact's handy iPhone app (more platforms coming soon), which calculates your GPS coordinates to confirm your whereabouts.

Those who don't stick to their weekly goals have their credit cards charged for the agreed-upon amount. Those who do get rewarded with real cash--credited to their account and funded by the people who didn't work out.

If all this sounds a tad inflexible, fear not: You can change your pact at any time or freeze your membership when you go on vacation or come down with a cold.

Regardless, even if the prospect of paying for laziness strikes you as perverse, you have to admit it's a solid motivator.

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