Having someone hold you accountable is one of the best ways. Let's add the aspect of doing it in public. I know, you would like to remain anonymous; yes, there are ways we can have someone in public hold us accountable while remaining anonymous. It's called social networking and there are tons of options from which to choose.
Women in Red Racers is one such group and it's easy to join. The group has over 1,000 members who retain their anonymity while being able to air thei troubles while receiving great advice and support. Not long after their first anniversity the goup had paid off $1.6 million.
There are other on-line social networking groups such as iVilliage and Fugal Villiage. Many of the groups have a reward system; as a matter of fact, Women in Red Racers puts a smiley face next to your name every time you pay off $100. It may not seem like much, but think, everyone in the group sees it. How's that for incentive? Some groups help members achive their goals by sending them assignments and exercises; you have to pick the group that works best for you and fits your style.
Joining a social networking group is a great way to receive accountability for not only paying off your debt, but just as important, staying out of debt after paying it off. Do you think this might work for you?