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	<title>Comments on: Weight Loss and Gym Memberships</title>
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	<link>http://www.financialfruition.com/weight-loss-and-gym-memberships/32</link>
	<description>a personal finance experience</description>
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		<title>By: Chris in Maryland</title>
		<link>http://www.financialfruition.com/weight-loss-and-gym-memberships/32/comment-page-1#comment-35</link>
		<dc:creator>Chris in Maryland</dc:creator>
		<pubDate>Mon, 19 Sep 2005 17:44:00 +0000</pubDate>
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		<description>I find spending my own money for fitness memberships to be an incredibly powerful incentive to workout.  When I use to run outside instead of going to a gym, I&#039;d barely manage three one hour runs a week, but now that I&#039;m a member of a gym in my office ($12 every two weeks), and another near my home ($600/yr), and a member of a Kendo club ($155/quarter), I work out 12 times a week for a total of about 21 hours/wk.  Whenever I think about skipping a workout now I think about the money that I&#039;m spending, and I find the motivation to go.</description>
		<content:encoded><![CDATA[<p>I find spending my own money for fitness memberships to be an incredibly powerful incentive to workout.  When I use to run outside instead of going to a gym, I&#8217;d barely manage three one hour runs a week, but now that I&#8217;m a member of a gym in my office ($12 every two weeks), and another near my home ($600/yr), and a member of a Kendo club ($155/quarter), I work out 12 times a week for a total of about 21 hours/wk.  Whenever I think about skipping a workout now I think about the money that I&#8217;m spending, and I find the motivation to go.</p>
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		<title>By: Financial Fruition</title>
		<link>http://www.financialfruition.com/weight-loss-and-gym-memberships/32/comment-page-1#comment-34</link>
		<dc:creator>Financial Fruition</dc:creator>
		<pubDate>Mon, 19 Sep 2005 15:24:00 +0000</pubDate>
		<guid isPermaLink="false">http://www.financialfruition.com/?p=32#comment-34</guid>
		<description>ncn and ostrauder, I wish I had the community center/ymca less costly options.  But living in a major metropolitan city I don&#039;t have one of those near where I live.

anon, thanks for the tips. 

josh, self-discipline is definitely the name of the game.  You have to make yourself go or its not worth it, for the wallet or your health!  Good luck.</description>
		<content:encoded><![CDATA[<p>ncn and ostrauder, I wish I had the community center/ymca less costly options.  But living in a major metropolitan city I don&#8217;t have one of those near where I live.</p>
<p>anon, thanks for the tips. </p>
<p>josh, self-discipline is definitely the name of the game.  You have to make yourself go or its not worth it, for the wallet or your health!  Good luck.</p>
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		<title>By: Josh Cohen</title>
		<link>http://www.financialfruition.com/weight-loss-and-gym-memberships/32/comment-page-1#comment-33</link>
		<dc:creator>Josh Cohen</dc:creator>
		<pubDate>Mon, 19 Sep 2005 14:55:00 +0000</pubDate>
		<guid isPermaLink="false">http://www.financialfruition.com/?p=32#comment-33</guid>
		<description>Getting on track at a gym is really difficult.  I&#039;ve been trying to do it for the past couple of months, and it&#039;s not working.

My gym costs about $30 per month if I pay a year in advance.  However, last time I renewed, they were doing two years for the price of one.  Naturally, I re-upped for two years for the price of one -- to save the money.

But I&#039;m not going.  I don&#039;t know why.  I just don&#039;t have the discipline.

That&#039;s really what we need.  Not gyms, but self-discipline.</description>
		<content:encoded><![CDATA[<p>Getting on track at a gym is really difficult.  I&#8217;ve been trying to do it for the past couple of months, and it&#8217;s not working.</p>
<p>My gym costs about $30 per month if I pay a year in advance.  However, last time I renewed, they were doing two years for the price of one.  Naturally, I re-upped for two years for the price of one &#8212; to save the money.</p>
<p>But I&#8217;m not going.  I don&#8217;t know why.  I just don&#8217;t have the discipline.</p>
<p>That&#8217;s really what we need.  Not gyms, but self-discipline.</p>
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		<title>By: Anonymous</title>
		<link>http://www.financialfruition.com/weight-loss-and-gym-memberships/32/comment-page-1#comment-32</link>
		<dc:creator>Anonymous</dc:creator>
		<pubDate>Tue, 13 Sep 2005 03:56:00 +0000</pubDate>
		<guid isPermaLink="false">http://www.financialfruition.com/?p=32#comment-32</guid>
		<description>Clark Howard &lt;a HREF=&quot;http://clarkhoward.com/library/tips/health_clubs.html&quot; rel=&quot;nofollow&quot;&gt;says&lt;/A&gt;:
• Don&#039;t sign long-term contracts for health club membership or pay for more than 30 days in advance. Month-to-month deals are much safer.
• Consider joining a YMCA or other community center in your neighborhood. 
• Don&#039;t fall for &quot;free membership&quot; contests that are really sales pitches.
• Take the contract home with you and read it thoroughly. Don&#039;t sign the contract at the club.
• Get any promises made by the sales-person included in the contract, or they don&#039;t mean a thing.
• In most states, you have three days from the day you sign a health club contract to cancel with no consequences.
• If you finance your membership and the club closes, you have no further obligation to pay.
• If you think a particular club may suit you, call the appropriate consumer agency in your state to check for outstanding complaints against the club. Tour the facility and ask questions.</description>
		<content:encoded><![CDATA[<p>Clark Howard <a HREF="http://clarkhoward.com/library/tips/health_clubs.html" rel="nofollow">says</a>:<br />
• Don&#8217;t sign long-term contracts for health club membership or pay for more than 30 days in advance. Month-to-month deals are much safer.<br />
• Consider joining a YMCA or other community center in your neighborhood.<br />
• Don&#8217;t fall for &#8220;free membership&#8221; contests that are really sales pitches.<br />
• Take the contract home with you and read it thoroughly. Don&#8217;t sign the contract at the club.<br />
• Get any promises made by the sales-person included in the contract, or they don&#8217;t mean a thing.<br />
• In most states, you have three days from the day you sign a health club contract to cancel with no consequences.<br />
• If you finance your membership and the club closes, you have no further obligation to pay.<br />
• If you think a particular club may suit you, call the appropriate consumer agency in your state to check for outstanding complaints against the club. Tour the facility and ask questions.</p>
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		<title>By: Ostrauder</title>
		<link>http://www.financialfruition.com/weight-loss-and-gym-memberships/32/comment-page-1#comment-31</link>
		<dc:creator>Ostrauder</dc:creator>
		<pubDate>Tue, 13 Sep 2005 03:48:00 +0000</pubDate>
		<guid isPermaLink="false">http://www.financialfruition.com/?p=32#comment-31</guid>
		<description>I live in a small town so this maybe different.  I go to a community center, which has everything a YMCA has. A membership is twenty five dollars a month.  With a membership you get a designated locker.  You can pay per visit two dollars at the door.  The limit is two hours gym time, but they don’t enforce it.  I’m friends with everyone now.  I participate in basketball games, weightlifting competitions and other things.   There are always free lockers if you bring your own lock.  I don’t go as much because I’m working so much now.  I didn’t know how good I had it until I read your post.  There is also “Bulldogs gym” in town.  I think membership is thirty a month.</description>
		<content:encoded><![CDATA[<p>I live in a small town so this maybe different.  I go to a community center, which has everything a YMCA has. A membership is twenty five dollars a month.  With a membership you get a designated locker.  You can pay per visit two dollars at the door.  The limit is two hours gym time, but they don’t enforce it.  I’m friends with everyone now.  I participate in basketball games, weightlifting competitions and other things.   There are always free lockers if you bring your own lock.  I don’t go as much because I’m working so much now.  I didn’t know how good I had it until I read your post.  There is also “Bulldogs gym” in town.  I think membership is thirty a month.</p>
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