Do your homework first. The cost of joining a health club can vary from $20 to $120 per month. Before you choose a gym, it may be wise to shop around to find the facility that best suits your needs. Look for special promotions. Many clubs waive their initial membership fees during certain times of the year.

Try before you buy. Before you dive head-first, it may be best to test the waters. Before signing any gym membership contract, ask if you can visit the facility as a guest. Or, if your fitness plan requires you to acquire expensive equipment, consider borrowing, renting or shopping for second-hand items.

Be prepared for a commitment. Make certain that your club membership doesn’t last longer than your interest. Before you sign any agreement read the fine print carefully and ask:

• Can the contract be dissolved and at what cost?


• What happens if you were to become sick or injured


• What if I decide to move?


• Are there roll-over provisions that require action on my part to avoid automatic renewal?


• What would happen if the gym were to close or be sold?