Picking a gym can be one of the most important decisions that you make in regards to whether you go or not so take your time. Remember it is better to pay a little more for something that is going to benefit you rather than pay nothing if you are not going to get any benefit from it. Therefore, I will not discuss specific prices for two main reasons. First, prices vary on too many things such as location, franchise vs private, city, specials, etc. Second, what is expensive to you may be cheap to someone else.
Paying by month can be looked at two different ways. You pay over the counter in hopes that if you fail to go that you can get out of the contract. That's right, I said contract. Most gyms still make you sign a contract and just make monthly payments. It is similar to a home alarm. They are usually EFT, some although not many let you pay over the counter. Read the fine print if you want to get out.
Prepayment, is what I personally like because they offer the best deal. You pay for the membership for lets say 3 or 4 years in advance. Then the 5th year is at a reduced rate. They also include extras such as towel service, day care, training sessions etc. Right now at my gym, if you do the math I pay single digit rates every month.
You have to put a value on it. Your health is vital, if it is required that you get a membership then see it as taking stewardship over yourself.
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