I’ve used f.lux for months now, and my eyes adjusted perfectly. You can specify if you want certain apps (like web browsing, photo editing, etc.) to be exempt from the colour correction, if desired.

I like the idea of differentiating the money challenges each month or each quarter. That way people can get a handle on various approaches and see what fits best for them.

I’d add to that list insecurity as well. If you aren’t financially secure, looking for a way out, and someone presents a too-good-to-be-true way out, chances are you might just take it out of desperation.

It was the summer before my senior year of college, and I was unemployed and desperately looking for work. A craigslist ad offered a well paying gig helping someone moving from Canada to the U.S. to work for the EPA. I was to help cash a check and send some of the money to his “account manager” in Florida via Western…