The Flynn Effect is somewhere in the neighborhood of 1/3 IQ point per year. So unless your girlfriend is 120 years younger than your grandmother...
Also the Flynn Effect is observed in similar magnitudes in men and women. IQyou/IQyourgirlfriend is predicted to be the same as IQgrandpa/IQgrandma, at least the part of that ratio attributable to the Flynn effect.
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My issue with commitment contracts is that I have no reason to believe they will do anything but make me miserable, and I don't have enough money to risk. If I precommit to pay $5 if I fail at a certain task, I have no reason to believe that at the end of the given time period, I won't be short 1% of my total wealth and worse off emotionally.
I find it interesting that you think there is no reason to believe that a financial incentive would change your behavior.