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I'm paying $55/month to go to my local YMCA, which is about three blocks from my house. The cruncher for me was the size of their cardio and weight facility (freakin huge), the fact that they have two swimming pools and a whirlpool, sauna and steamroom in the locker room. All very nice things--it's great to stretch out in the hot tub after lifting weights.
I find that unless I'm paying for something, I won't do it. They don't charge you to run on the roads around here, for instance. How many times have I gone running on the roads around here? Zero. But I'm at the Y five or six times a week. Why? I know I'm paying for it.
I like how Cynth thinks: go month to month for a while and see if it works well for you, then lock yourself into something that will motivate you to go over the long term.
Also, you might find out if they have an injury policy--it would be a double-bummer to injure yourself and still have to pay for your gym membership.
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