membership http://www.wisebread.com/taxonomy/term/11064/all en-US 6 Reasons to Visit Your Credit Union on October 20 http://www.wisebread.com/6-reasons-to-visit-your-credit-union-on-october-20 <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-reasons-to-visit-your-credit-union-on-october-20" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_glasses_piggybank_103388239.jpg" alt="Woman visiting her credit union on Credit Union Day" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Since 1948, International Credit Union Day has been celebrated on the third Thursday of October. This October 20th, 2016, more than 217 million credit union members around the world are joining in the celebration.</p> <p>About half of all credit union members are Americans (<a href="http://www.cuna.org/Research-And-Strategy/DownLoads/mcue/">108.1 million</a>!), but if you're not one of them, this Oct. 20th is a great opportunity to visit a local credit union, shop around for financial services, and find out whether or not you can get a better deal at a credit union.</p> <h2>Key Differences Between a Bank and a Credit Union</h2> <p>Only 36% of people surveyed by the Credit Union National Association (CUNA) were aware that credit unions are not-for-profit financial institutions. This is just one of the many differences between a traditional bank and your local credit union.</p> <h3>1. Credit Unions Have Members</h3> <p>You're not a client; you're a member or owner of the credit union. You're required to make a deposit in a savings account (often from $25 to $100) that grants you a share of the credit union.</p> <h3>2. You Must Be Eligible for Membership</h3> <p>Typical fields of membership include employee groups, associations, religious or fraternal affiliations, and residential areas.</p> <h3>3. You Can Vote on Key Issues</h3> <p>Including electing unpaid officers and directors for the credit union to establish operating policies and other key issues. Each member has one equal vote, no matter how small his or her deposit.</p> <h3>4. Deposits Are Insured by the NCUA or State or Private Insurance</h3> <p>While qualifying deposits in banks are insured by the Federal Deposit Insurance Corporation (FDIC), deposits in federally chartered credit unions and those with headquarters in Arkansas, Delaware, South Dakota, Wyoming, or the District of Columbia are insured by the National Credit Union Administration (NCUA). Each individual account, joint account, trust account, retirement account, and business account at any federal credit union is insured for up to $250,000. If you have a savings account, a trust account, and a Roth IRA at a federal credit union, you're covered for up to total of $750,000. State chartered credit unions and those with headquarters in states other than the ones listed earlier may be covered by either state or private insurance.</p> <h3>5. Credit Unions Collaborate With Each Other</h3> <p>Many credit unions offer shared branching that allows you to make deposits and withdrawals at locations other than that of your own credit union. With <a href="https://co-opcreditunions.org/locator/">nearly 30,000 ATMs</a> and more than 5,000 shared branches, credit union members have more direct, surcharge-free access to their money than most traditional bank customers do.</p> <h2>Why It Pays to Take Part in Credit Union Day</h2> <p>In a nutshell: higher savings rates for your deposits and lower costs for your loans.</p> <p>Let's compare some financial products from credit unions with those from banks, as of <a href="https://www.ncua.gov/analysis/Pages/industry/credit-union-bank-interest-rates-june-2016.pdf">June 2016</a>:</p> <ul> <li>Credit unions had a national average rate of 4.40% for five-year home equity loans, while banks had a 4.97% average rate.<br /> &nbsp;</li> <li>A 15-year fixed-rate mortgage would have only cost an average 3.06% per year at credit unions and an average 3.10% at banks.<br /> &nbsp;</li> <li>A classic credit card would have only charged you an average 11.56% at credit unions and an average 12.66% at banks.<br /> &nbsp;</li> <li>A $10,000 five-year CD yielded a national average 1.51% at credit unions and 1.22% at banks.<br /> &nbsp;</li> <li>A 48-month new car loan charged a national average 2.61% at credit unions and 4.58% at banks.<br /> &nbsp;</li> <li>A $2,500 money market account paid a national average 0.17% at credit unions and 0.12% at banks.</li> </ul> <p>Year after year credit unions demonstrate that they are working hard to get you the best bang for your buck. (See also: <a href="http://www.wisebread.com/9-good-reasons-to-choose-a-credit-union-instead-of-a-bank?Ref=seealso">9 Good Reasons to Choose a Credit Union Instead of a Bank</a>)</p> <h2>What Can You Expect on International Credit Union Day</h2> <p>Several credit unions around the country will provide special offers and freebies to their current and new members.</p> <h3>1. Even Lower Fees</h3> <p>CUNA advises credit unions to offer loans or new share draft accounts for the <a href="http://www.cuna.org/Marketing-And-Member-Education/DownLoads/2016-ICU-Day-Celebration-Ideas/">same fees</a> that credit unions charged the year they opened.</p> <h3>2. Free Money or Freebies to Open a New Account</h3> <p>The Eagle Community Credit Union in California is offering a <a href="http://www.eaglecu.org/ICUDay">$25 deposit</a> and a lunch tote to new account holders from October 1 until October 31, 2016. The Meridian Trust Federal Credit Union in Cheyenne, Wyoming is offering a <a href="https://www.mymeridiantrust.com/about/support/international_credit_union_day/international_credit_union_day_special_offers.aspx">$50 Visa gift card</a> to those opening a new checking account.</p> <h3>3. Chance to Win a Discount Off Your Qualifying Rate for a New Loan</h3> <p>The University of Hawaii Credit Union is offering on October 21 and 22, 2016 the chance to pull a rate as low as 1.49% APR or <a href="https://www.uhfcu.com/?Cabinet=Main&amp;Drawer=UHFCU+Advantages&amp;Folder=Specials&amp;SubFolder=Auto+Loan+Special&amp;page_name=Auto+Loan+Special">up to 0.75% off</a> your qualifying rate. &quot;Checking in&quot; at the event with your Yelp app will get you 0.25% off your qualifying rate.</p> <h3>4. Free Gas Cards</h3> <p>Other credit unions may offer you incentives to receive free gas cards when you bring a completed certificate to a participating car dealership. If you get a new-car loan with the credit union at a qualifying dealer, the gas card can be of higher value.</p> <h3>5. Chance to Win Free Money</h3> <p>Last but not least, some credit unions may just be handing out money. In 2014, the Royal Credit Union in Eau Claire, Wisconsin handed out cups filled with $2 bills and fliers about the credit union to 500 students. All cups were entered into a drawing for <a href="https://www.facebook.com/likeRCU/posts/797687906961897">five real $2 bills</a>.</p> <h3>6. Opportunity to Fundraise for Your Community</h3> <p>The River Cities Community Credit Union in Atchison, Kansas hosts every year a hot dog meal fundraiser to donate to the Atchison County Food Pantry. Several credit unions host fundraisers to contribute to the local community.</p> <h2>The Bottom Line: Save the Date!</h2> <p>From a better saving rate for your deposits to a competitive new car loan to a freebie to boost your emergency fund, there is a lot you can gain from International Credit Union Day. As of December 2015, there 6,259 credit unions in the U.S. This Thursday October 20, 2016 is a great time to find out what you've been missing at your local credit union. Some special deals may only be available on that day or for a very limited time so plan ahead and use the <a href="http://mapping.ncua.gov">NCUA's credit union locator</a> to find the ones nearest you.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/damian-davila">Damian Davila</a> of <a href="http://www.wisebread.com/6-reasons-to-visit-your-credit-union-on-october-20">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-benefits-and-drawbacks-of-credit-unions">The Benefits and Drawbacks of Credit Unions</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/credit-unions-vs-banks-whats-the-difference">Credit Unions vs. Banks: What&#039;s the Difference?</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-sales-strategies-your-bank-uses-to-make-money">5 Sales Strategies Your Bank Uses to Make Money</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/switch-to-a-better-bank-in-5-easy-steps">Switch to a Better Bank in 5 Easy Steps</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/why-i-like-big-banks">Why I Like Big Banks</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Banking accounts community credit unions freebies international credit union day local business lower fees membership Wed, 19 Oct 2016 10:30:14 +0000 Damian Davila 1815062 at http://www.wisebread.com 8 Expert Ways to Save Time and Money at Costco http://www.wisebread.com/8-expert-ways-to-save-time-and-money-at-costco <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/8-expert-ways-to-save-time-and-money-at-costco" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/man_grocery_store_000057104224.jpg" alt="Man using expert ways to save time and money at Costco" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Whether you're a longtime Costco member, new to the club, or simply considering a membership, there are ways to make your money go further in the warehouse. Here are eight such tips that will help you walk out of your next Costco shopping trip with more of your hard-earned money. (See also: <a href="http://www.wisebread.com/these-6-costco-items-will-easily-cover-your-55-membership?ref=seealso">These 6 Costco Items Will Easily Cover Your Membership</a>)</p> <h2>1. Know Which Kirkland Products Are a Must-Buy</h2> <p>There's no arguing the fact that the Costco Kirkland brand provides an excellent value on many items. But did you know that some Kirkland products are actually made by a name-brand manufacturer and simply repackaged, providing the best bang for your buck? Here are a few to be aware of.</p> <h3>Kirkland Beers</h3> <p>On the West coast, these bottles of beer come from a brewery in San Jose, CA named Hopfen and Malz Brewing Company, also known as&nbsp;<a href="http://www.ratebeer.com/brewers/kirkland-signature--costco-wholesale-corporation/20906/">Gordon Biersch</a>. East coast stores get their beer from Matt Brewing and Central states stores get there from Minhas, depending on the variety. By purchasing them with the Kirkland label, you'll easily spend a third less compared to similar craft beers.</p> <h3>Kirkland Tuna Fish</h3> <p>Apparently their canned tuna is&nbsp;<a href="http://www.brandculture.com/the-one-brand-breaks-all-rules-costco-kirkland-signature/">made by Bumble Bee</a>, making it a great value.</p> <h3>Kirkland Bourbon</h3> <p>The Kirkland variety is cheaper and&nbsp;<a href="http://insiderlouisville.com/business/retail-business/costcos-private-label-bourbon-wait-say-costco/">made by Buffalo Trace</a> specifically for the Costco warehouse.</p> <h3>Kirkland Batteries</h3> <p>Rumor has it that these batteries are actually manufactured by Duracell. Whether that's true or not I can't verify, but the fact of the matter is they often&nbsp;<a href="http://www.clarkhoward.com/kirkland-signature-battery-rules-new-aa-tally">out-perform the name-brands</a> and are significantly cheaper.</p> <h2>2. Start at the Back the Warehouse</h2> <p>While this tip may take a little getting used to, on your next trip to Costco, try putting on your &quot;blinders&quot; and head straight to the back of the warehouse. Costco always puts their best bargains at the back of the store, along with the outside walls. They do this knowing you'll have to walk by a bunch of irresistibly cool (and full-priced) items to get there. Avoid the temptations by working your way up to the checkout aisles last. (See also: <a href="http://www.wisebread.com/5-frugal-rules-you-must-follow-when-shopping-at-costco?ref=seealso">Rules You Must Follow When Shopping at Costco</a>)</p> <h2>3. Shop Without a Membership</h2> <p>If you know someone who already has a Costco membership, ask them to pick up a&nbsp;<a href="http://www.costco.com/Costco-Cash-Card.product.10024438.html">Costco Cash Card</a>&nbsp;for you. While you do need to be a member to buy and reload these cards, you can use them to&nbsp;shop to your heart's content without a membership. Cards can be purchased in any amount from $25 up to $1,000, can be reloaded at any Costco location, and never expire. You can also conveniently use the cash card on Costco.com. This is a great option for college students as it allows them to easily limit their spending, or those who simply want to test out the warehouse before becoming a paying member. (See also: <a href="http://www.wisebread.com/7-things-non-members-can-get-at-costco-including-cheap-eye-exams?ref=seealso">7 Things Non-Members Can Get at Costco</a>)</p> <h2>4. Get 2% Cash Back</h2> <p>The <a href="http://www.wisebread.com/the-new-costco-anywhere-visa-card-by-citi-is-good-news-for-costco-shoppers">Costco Anywhere Visa Card</a> has replaced the Costco Amex, and with it comes better cash back benefits for Costco members. Cardholders earn 2% cash back on Costco and Costco.com purchases, but it doesn't stop there. You also get 4% back on eligible gas worldwide (for the first $7,000 per year), 3% back on restaurant and travel purchases, and 1% back on all other purchases.</p> <h2>5. Always Refill Your Inkjet Cartridges at Costco</h2> <p>New inkjet cartridges can be really expensive, even at Costco. Instead of buying brand new ink, take advantage of&nbsp;<a href="http://www.costcoinkjetrefill.com/">Costco's refill service</a> and save a lot of money. You simply bring in your empty cartridges and Costco will refill them starting at only $7.49, which in many cases equals savings in the 70% range. (See also: <a href="http://www.wisebread.com/10-things-you-probably-didnt-know-you-could-buy-at-costco?ref=seealso">10 Things You Didn't Know You Could Buy at Costco</a>)</p> <h2>6. Snag Big Christmas Toy Deals</h2> <p>Starting in November, Costco consistently sells toys for 30%&ndash;50% less than Amazon. For example, last year both retailers sold the popular Singing Olaf (<em>Frozen</em>) plush toy at Christmas. While Costco sold it for $14.99, Amazon sold it for twice that amount at $29.99. Also, Costco sold popular Lego sets for $13.99 while Amazon sold them for over $20. While the toy selection at Costco is definitely smaller than other stores, the products they do stock are sold at a major discount.</p> <h2>7. Avoid Aisle Endcaps</h2> <p>When shopping at Costco, the products on the aisle endcaps usually aren't a great deal. Typically these items have the largest profit margins, are full-priced, and are being pushed heavily via free samples. Try not to be tempted by the tasty samples and eye-catching displays. Instead, walk past these endcaps quickly and head for the real deals.</p> <h2>8. Don't Forget Their Price Protection Policy</h2> <p>While most Costco shoppers are already aware of their&nbsp;<a href="https://customerservice.costco.com/system/templates/selfservice/costco_en_us/#!portal/200500000001002/article/200500000040287/Costco-Return-Policy">lenient return policy</a>, many have no idea that they also offer a 30-day price protection policy. If the price of any item drops within 30 days of you purchasing it, simply bring in your receipt and they'll happily refund you the difference. If you lost your receipt, don't fret &mdash; just head to the customer service desk and explain the situation. In most cases, they'll be able to verify your order on their computer system and refund your money accordingly. This policy is especially useful when buying seasonal items, which are eventually reduced in price at the end of the season to make room for new inventory. (See also: <a href="http://www.wisebread.com/15-things-you-should-buy-at-costco?ref=seealso">15 Things You Should Buy at Costco</a>)</p> <p><em>What unique ways do you save money on your trips to Costco?</em></p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <p>&nbsp;</p> <div align="center"><a href="//www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F8-expert-ways-to-save-time-and-money-at-costco&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F8%20Expert%20Ways%20to%20Save%20Time%20and%20Money%20at%20Costco.jpg&amp;description=8%20Expert%20Ways%20to%20Save%20Time%20and%20Money%20at%20Costco" data-pin-do="buttonPin" data-pin-config="above" data-pin-color="red" data-pin-height="28"><img src="//assets.pinterest.com/images/pidgets/pinit_fg_en_rect_red_28.png" alt="" /></a> </p> <!-- Please call pinit.js only once per page --><!-- Please call pinit.js only once per page --><script type="text/javascript" async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <div align="center">&nbsp;</div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/8%20Expert%20Ways%20to%20Save%20Time%20and%20Money%20at%20Costco.jpg" alt="8 Expert Ways to Save Time and Money at Costco" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/kyle-james">Kyle James</a> of <a href="http://www.wisebread.com/8-expert-ways-to-save-time-and-money-at-costco">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/15-things-you-should-buy-at-costco">15 Things You Should Buy at Costco</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/these-6-costco-items-will-easily-cover-your-55-membership">These 6 Costco Items Will Easily Cover Your $55 Membership</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-10-best-couponing-apps">The 10 Best Couponing Apps</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/should-you-sign-up-for-that-store-credit-card">Should You Sign Up for That Store Credit Card?</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/sams-club-or-costco-which-warehouse-club-is-right-for-you">Sam&#039;s Club or Costco: Which Warehouse Club Is Right for You?</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Shopping club costco discounts membership saving money warehouse store wholesale Mon, 15 Feb 2016 10:00:04 +0000 Kyle James 1654794 at http://www.wisebread.com 13 Easy Ways to Save on Your Gym Membership http://www.wisebread.com/13-easy-ways-to-save-on-your-gym-membership <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/13-easy-ways-to-save-on-your-gym-membership" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/cycling_class_000014641903.jpg" alt="Woman learning how to save on gym membership" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Gym memberships can be really expensive. While the average monthly gym fee comes in around $60, fitness centers in large cities like NYC can charge closer to $130 per month just to use their facilities (and that doesn't count the exorbitant initiation fees). And with so many great ways to get a full workout at home, it poses the question &mdash; is a <a href="http://www.wisebread.com/5-times-a-gym-membership-isnt-worth-it">gym membership really worth it</a>?</p> <p>Along with saving money, you can also save time by achieving your fitness goals at home. So, stop spending an hour at the gym and start living more frugally. By following the tips below, you can get more from your membership, or find out why it might be time to break up with your gym altogether.</p> <h2>1. Shop Around</h2> <p>Find out how much each gym charges in your local area. You can check Yelp to find out which gyms are nearby and start your search from there. Compare prices, perks, and gym availability to find the one that works best for your needs.</p> <h2>2. Take Advantage of Free Trials</h2> <p>Ask your local gyms if they offer free trials. Often, they will offer free classes or membership options (such as a free day or week) so that you can test out the gym before starting a membership. Adding these various trial offers back-to-back can amount to a month of free gym memberships, and in the end, you can really decide if it's worth it to join.</p> <h2>3. Look for Deals or Coupons</h2> <p>Sites like <a href="https://www.groupon.com/">Groupon</a> and <a href="https://www.livingsocial.com/">LivingSocial</a> can help save you a lot on a gym membership. In fact, you may be able to save up to 85% on your membership with one of these deals. It's worth a look to see what's available in your area. You can also visit your local gym's website and social media pages to see if they are offering any coupons or discounts at the moment.</p> <h2>4. Inquire About Discounts</h2> <p>Often, fitness centers offer discounts that aren't clearly displayed for everyone, so you will need to ask about what deals they are currently offering. If you are a student, senior, or work for a large corporation that may have a deal with your local gym, make sure to mention that to see if there are any discounts available to you. Some gyms even offer discounts for members who exercise on off-peak hours (such as late at night).</p> <h2>5. Join With Your Spouse or a Group</h2> <p>Most gyms offer a group discount. If you can sign up with a friend, your spouse, or a group from work, you might be able to save big bucks. If you have a friend or family member that subscribes to your gym, make sure to mention that they referred you. You both might be eligible for perks or a discount thanks to the referral. Some of these discounts can save you 10%&ndash;30% off your membership, so it's definitely worth inquiring about.</p> <h2>6. Inquire About Corporate Memberships</h2> <p>Ask your employer if they offer any deals with a local gym or fitness chain. Your local gym may even have corporate membership options. Joining with some of your coworkers at the same time can also lead to group rates and discounts.</p> <h2>7. Check Your Health Insurance for Deals</h2> <p>Some health insurance plans offer discounts on gym memberships. You may also be eligible for a reimbursement from your insurance company if you join a participating gym or fitness center. Call your health insurance representative to see what's available to you.</p> <h2>8. Sign Up During the Slow Season or End of Month</h2> <p>Gym membership prices tend to drop during the slow season, which takes place in the summer and toward the end of the year. If you can wait until this time, you will find better rates, or you will be more likely to negotiate a discounted rate. At the end of the month, many gyms are also trying to meet their monthly sales goals, so if you can't wait until the slow season, at least wait until the end of the month to see if there any good deals.</p> <h2>9. Negotiate</h2> <p>If you find the perfect gym, but it isn't in your budget, see if you can negotiate with the membership associate. They may be able to provide discounts or other suggestions on how you can save money on your gym pass, training sessions, guest passes, or other items that come with your gym membership. Many gyms are also willing to drop the initiation fee if you pay upfront, which can save you hundreds of dollars. If they can't save you money, maybe they can throw in some free classes, training sessions, gym passes, or other freebies.</p> <h2>10. Don't Splurge on Extras</h2> <p>Stripping away extra amenities and options you don't need (such as group classes you won't use, water bottles, and other small bonuses) will save you money and ensure you get exactly what you need from your membership. Many gyms also offer a la carte pricing.</p> <h2>11. Don't Sign a Contract</h2> <p>Once you sign a contract at a gym, you are locked into that contract for up to a year. If possible, choose a month-to-month agreement or a shorter-term agreement so that you don't end up paying for a gym membership that you may not use.</p> <h2>12. Put Your Membership on Hold</h2> <p>If you are planning a vacation or business trip, make sure to put your membership on hold. Your gym will not refund you for time that you don't spend in the gym, so make sure to let them know when you're out of town so that you aren't paying for days you can't use.</p> <h2>13. Skip the Gym Altogether</h2> <p>The best way to save money on a gym membership is to skip it altogether. After all, statistics show that approximately 2/3 of people who join a gym don't even use their memberships. We've included some ideas below on what you can do instead of spending an hour at the gym.</p> <h3>Exercise at Home</h3> <p>Exercising at home can provide the same results that you can expect from the gym. A healthy at-home workout plan can also help you avoid bad weather and lazy days when you simply just don't want to travel to the gym. (See also: <a href="http://www.wisebread.com/36-workouts-you-can-do-in-your-living-room-while-its-cold-out?ref=seealso">36 Workouts You Can Do in Your Living Room While It's Cold Out</a>)</p> <h3>Try an Exercise DVD</h3> <p>Exercise videos aren't what they used to be. Nowadays, if you put in the time and effort that the exercise video or program requires, you will absolutely see results. The trick is to find the right video or program that can provide the results you want, using a style that keeps you interested and motivated. Invest in some dependable gear, such as quality running shoes, an <a href="http://www.amazon.com/gp/product/B00IIQUBY8/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=390957&amp;creativeASIN=B00IIQUBY8&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=UCEQZ7WMM2LI4P5X">exercise mat</a>, <a href="http://www.wisebread.com/the-5-best-resistance-bands">resistance bands</a>, a <a href="http://www.amazon.com/gp/product/B008R6WRFU/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=390957&amp;creativeASIN=B008R6WRFU&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=UZWPU3IH4JF3MQS7">yoga block</a>, <a href="http://www.amazon.com/gp/product/B003P90K58/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=390957&amp;creativeASIN=B003P90K58&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=GTCCTEFJWBD2DSXE">free weights</a>, <a href="http://www.amazon.com/gp/product/B0061ZLTYY/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=390957&amp;creativeASIN=B0061ZLTYY&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=VKIFMPX56LXJYUPD">kettlebells</a>, and whatever else you need to successfully complete your at-home workout program. This will help you get the most from your workout DVDs.</p> <h3>Take Up Running, Hiking, or Biking</h3> <p>Running, hiking, biking, and other outdoor activities are completely free and are extremely effective at burning fat and calories. Make sure to invest in quality running shoes, customized to fit your running style. If you aren't sure which ones are right for you, go to a running store near you and ask them to evaluate your running style and challenges. They can help you choose the right shoes to help you go further, faster.</p> <h3>Download Free Workout Apps</h3> <p>There are thousands of free workout apps available to you. All you need to do is download the app and follow the instructions. You can find complete workout regimens, customizable programs that are designed for your particular fitness level, or apps like Couch to 5K, which can help you meet your goals of running a marathon faster. Some other popular free fitness apps include 7 Minute Workout, Simply Yoga, DailyBurn, Nike Training Club, GymPact, Fleetly, JEFIT, and RunKeeper.</p> <p><em>Do you have any other tips for ways you can save money on a gym membership, or avoid having one altogether? Please share your thoughts in the comments!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/andrea-cannon">Andrea Cannon</a> of <a href="http://www.wisebread.com/13-easy-ways-to-save-on-your-gym-membership">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/get-a-great-workout-for-free-with-11-simple-moves">Get a Great Workout for Free With 11 Simple Moves</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-fitness-gadgets-actually-worth-the-money">5 Fitness Gadgets Actually Worth the Money</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-times-a-gym-membership-isnt-worth-it">5 Times a Gym Membership Isn&#039;t Worth It</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-tricks-to-avoid-workout-burnout">10 Tricks to Avoid Workout Burnout</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/14-reasons-youre-bad-at-exercising">14 Reasons You&#039;re Bad at Exercising</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Health and Beauty exercise fees fitness gym membership working out Thu, 06 Aug 2015 11:00:15 +0000 Andrea Cannon 1510354 at http://www.wisebread.com Best Money Tips: Score a Gym Membership Deal http://www.wisebread.com/best-money-tips-score-a-gym-membership-deal <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-score-a-gym-membership-deal" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/6497104445_d9c9c4f355_z.jpg" alt="gym" title="gym" class="imagecache imagecache-250w" width="250" height="167" /></a> </div> </div> </div> <p>Welcome to Wise Bread's <a href="http://www.wisebread.com/topic/best-money-tips">Best Money Tips</a> Roundup! Today we found some stellar articles on ways to score a gym membership deal, tax-savvy moves retirees can use, and how to become a &quot;garage sale millionaire.&quot;</p> <h2>Top 5 Articles</h2> <p><a href="http://www.mainstreet.com/article/smart-spending/bargains/deals/10-ways-score-gym-membership-deal-0">10 Ways to Score a Gym Membership Deal</a> &mdash; To score a gym membership deal, negotiate and know the contract you are signing. [MainStreet]</p> <p><a href="http://www.kiplinger.com/article/retirement/T037-C000-S004-tax-savvy-moves-retirees-can-use-to-trim-2012-tab.html">Tax-Savvy Moves Retirees Can Use to Trim 2012 Tab</a> &mdash; Retirees can trim their 2012 tax tab by checking for IRA-to-charity rollovers. [Kiplinger]</p> <p><a href="http://www.mint.com/blog/how-to/how-to-become-a-garage-sale-millionaire-0213/">How to Become a &quot;Garage Sale Millionaire&quot;</a> &mdash; If you want to become a garage sale millionaire, look for tin toys that were made in in the late 19th and early 20th century. [MintLife Blog]</p> <p><a href="http://www.moneytalksnews.com/2013/02/07/how-to-tell-if-youre-dating-a-deadbeat/">How to Tell If You're Dating a Deadbeat</a> &mdash; You may be dating a deadbeat if they admit their credit cards are maxed out. [Money Talks News]</p> <p><a href="http://money.msn.com/frugal-living/post.aspx?post=212754ce-adc9-4384-86ac-f025cedbc0b6&amp;ref=bfv">Why retail therapy doesn't work</a> &mdash; Did you know you are more likely to be happy before you make a purchase than after? [MSN Money]</p> <h2>Other Essential Reading</h2> <p><a href="http://www.creditsesame.com/blog/how-your-birth-order-affects-your-finances/">How your birth order affects your finances</a> &mdash; Are you the first born in your family? Chances are you are more responsible with your finances. [Credit Sesame]</p> <p><a href="http://www.freemoneyfinance.com/2013/02/financial-to-do-list-for-2013.html">Financial to Do List for 2013</a> &mdash; Put one of your savings on auto-pilot and buy life insurance this year. [Free Money Finance]</p> <p><a href="http://www.savvysugar.com/Grocery-Shopping-Terms-27861904">Grocery Jargon: 10 Terms to Know Before You Hit the Aisles</a> &mdash; Before you head to the grocery store, familiarize yourself with the terms GMOs and gluten-free. [SavvySugar]</p> <p><a href="http://www.bargaineering.com/articles/surprised-hidden-hotel-fees.html">Will You Be Surprised By Hidden Hotel Fees?</a> &mdash; Did you know you could be charged a fee for having an in-room safe? [Bargaineering]</p> <p><a href="http://parentingsquad.com/10-indoor-activities-for-acrive-kids">10 Indoor Activities for Active Kids</a> &mdash; If you have active kids, keep them entertained indoors and have a dance party! [Parenting Squad]</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> of <a href="http://www.wisebread.com/best-money-tips-score-a-gym-membership-deal">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/13-easy-ways-to-save-on-your-gym-membership">13 Easy Ways to Save on Your Gym Membership</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/being-healthy-can-have-big-cash-rewards">Being Healthy Can Have Big Cash Rewards</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-legit-ways-to-use-the-gym-for-free">8 Legit Ways to Use the Gym for Free</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-times-a-gym-membership-isnt-worth-it">5 Times a Gym Membership Isn&#039;t Worth It</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/get-a-great-workout-for-free-with-11-simple-moves">Get a Great Workout for Free With 11 Simple Moves</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Health and Beauty best money tips gym gym membership deal membership Mon, 11 Feb 2013 11:00:30 +0000 Ashley Jacobs 967770 at http://www.wisebread.com Get More Bang for Your Membership Buck! http://www.wisebread.com/get-more-bang-for-your-membership-buck <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/get-more-bang-for-your-membership-buck" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/3633903316_684c8b08df.jpg" alt="members only chair" title="members only chair" class="imagecache imagecache-250w" width="250" height="377" /></a> </div> </div> </div> <p>If you are looking for a way to get out of the house, and do something without breaking the bank, it may seem your options are limited, but using these simple tricks, you will be able to get out of the house without going broke.</p> <h2>Free Days</h2> <p>Many museums offer days of the year, or hours during the week, where you can get in for free or reap deep discounts. For instance, here is a fantastic list on NY.com of <a title="a fantastic list on NY.com" href="http://www.ny.com/museums/free.html">museums in New York City that are free</a>, take only donations, or offer free times every week.</p> <p>Scout your local area's websites, and call your local museums/attractions, to find out if and when they offer any free or pay-as-you-wish times.</p> <p>Another option is to volunteer! If you volunteer you may get a free membership, or at the very least use of the museum or attraction after you are done helping out. Volunteering is also a fantastic way to meet people who share common interests.</p> <h2>It Pays to Be a Member</h2> <p>Purchasing a membership is the key to consistently going places on a budget. By being a &quot;member,&quot; you can take advantage of reciprocal memberships. Reciprocal memberships are memberships that give you the benefit of admission to similar attractions.</p> <p>By digging around on your chosen attraction's website, you can usually find any associations and rules for using your membership at other places. For instance, by using the <a title="the American Horticultural Society's website" href="http://www.ahs.org/events/reciprocal_events_online_directory.htm">American Horticultural Society's website</a>, I was able to find a local garden membership at nearly half the cost of the garden I was considering joining.</p> <p>You may find a membership at a vacation spot or in your hometown that is a less expensive option to your local attraction to stretch your dollar even further. This can be a boon when there are rules about how far away you have to be from your &quot;home&quot; museum or site.</p> <p>Aren't sure you want to purchase a membership without visiting first? Ask if you can buy one that same day if you change your mind. In my experience, many places offer this benefit because it's a win-win. Just be sure to hold onto your receipt, and usually the membership office can deduct that day's fees.</p> <h2>Best Family Memberships</h2> <p>Look for a membership to one of the museums who belong to <a title="the Association of Children's Museums" href="http://www.childrensmuseums.org/visit/reciprocal.htm">the Association of Children's Museums</a>, which touts it &quot;was rated by Real Simple, Nick Jr. Family Magazine, and others as the best value for families.&quot;</p> <p>In my area, a membership to ACM affiliate <a title="The Please Touch Museum in Philadelphia" href="http://www.pleasetouchmuseum.org/">The Please Touch Museum in Philadelphia</a> is a fantastic deal. It saves you the $5 parking fee at every visit, and includes a number of free carousel rides.</p> <h2>Kid-Free Households</h2> <p>No kids? No problem! There are memberships to gardens, botanical centers, science centers, etc. that have the same benefits. Whatever your taste, you are sure to find some kind of museum or attraction that offers admission to other local, national or worldwide places. It may take longer to pay back your membership, but if you have a favorite place, it's well worth it.</p> <h2>Other Discounts on Memberships</h2> <p>Students should always make sure to take along your ID, as many museums offer student discounts.</p> <p>Seniors also get discounts at a variety of venues.</p> <p>Check with AAA, your workplace, and even your local government &mdash; you may find an extra discount, or discounted tickets.</p> <h2>Vacation and Memberships</h2> <p>When visiting another area for vacation or to visit family, you can leverage your memberships to see the local sights. You may find your memberships don't extend to that area, or your memberships don't extend to the attractions you want to see. In major metropolitan areas, look for multi-passes to several attractions.</p> <p>In San Francisco, for example, you can choose <a title="the CityPass" href="http://www.citypass.com/city/sanfrancisco.html">the CityPass</a>, which includes a muni/cable car pass and admission to:</p> <ul type="disc"> <li>the California Academy of Sciences<br /> &nbsp;</li> <li>to Aquarium of the Bay<br /> &nbsp;</li> <li>San Francisco MoMA<br /> &nbsp;</li> <li>the Exploratorium or the deYoung/Legion of Honor art institutes<br /> &nbsp;</li> <li>a cruise on the Blue/Gold Fleet</li> </ul> <p>Just be sure you want to visit ALL the attractions, or you may end up spending more than you need to. When my husband and I visited San Francisco in June, we purchased a Muni/Cable Car pass only. It enabled us to take the cable cars multiple times ($5 for one way), the streetcars (my favorite), and Muni all over the city.</p> <p>Another example, my family (6 of us) traveled to Baltimore 2 years ago, and thanks to our memberships, we went to the Children's Museum and the Science Center for FREE! We saved over $200 in admission fees.</p> <p>Keep in mind that you can also plan ahead by using guidebooks and websites to find free or discounted admission times at various venues. Just be sure to call ahead, so you don't end up spending $100 without intending to!</p> <h2>Do the Math</h2> <p><strong>My family has used memberships to save over $1,000 in the last 3 years.</strong> That's a lot of bang for our membership buck!</p> <p>With a family of 6 a membership usually pays for itself pretty quickly. A few months ago we purchased a family membership to the Philadelphia Zoo. We would have paid $106 plus parking, but instead I bought and printed out our membership for $99 which included free parking. We only saved $7 on the first trip, but each additional trip adds another $106 to our savings total!</p> <p>You may not have quite as large a brood, so here is a simple equation to figure out how many trips it will take to make membership worth your money:</p> <p><strong>Step 1: Cost of tickets x # of people = cost for 1 visit</strong><br /> <em>Example: $15 x 4 = $60</em></p> <p><strong>Step 2: Cost of membership / Cost for 1 visit = # of visits to pay for membership (round up)</strong><br /> <em>Example: $100 / $60 = 2 (rounded up)</em></p> <p>In our example, it would take only 2 visits for a membership to be worth it!</p> <p>My favorite part of using these memberships, however, is not saving money. It is the time well spent with your family or friends in a carefully and lovingly cared-for environment. Whether it's a science museum, an estate turned garden, a historic ship, or a children's museum we often find a renewed sense of wonder with each visit!</p> <p><em>This post was included in the lastest edition of the <a href="http://www.thefinancialblogger.com/festival-of-frugality-%E2%80%93-my-best-purchases%E2%80%99-edition/">Festival of Frugality</a>.</em></p> <p>&nbsp;</p> <div class="field field-type-text field-field-guestpost-blurb"> <div class="field-label">Guest Post Blurb:&nbsp;</div> <div class="field-items"> <div class="field-item odd"> <p><i>This is a guest post by Kelly Whalen who blogs about paying off debt, organizing family life, and personal finance on <a mce_href="http://www.thecentsiblelife.com/" href="http://www.thecentsiblelife.com/">The &cent;entsible Life</a>:</i></p> <ul type="disc"> <li><i><a mce_href="http://www.thecentsiblelife.com/2009/08/12/the-one-car-experiment/" href="http://www.thecentsiblelife.com/2009/08/12/the-one-car-experiment/">The One Car Experiment</a></i></li> <li><i><a mce_href="http://www.thecentsiblelife.com/2009/08/18/how-to-get-vacation-ready/" href="http://www.thecentsiblelife.com/2009/08/18/how-to-get-vacation-ready/">How to Get Vacation-Ready</a></i></li> <li><i><a mce_href="http://www.thecentsiblelife.com/2009/07/30/5-a-day-to-keep-the-clutter-away/" href="http://www.thecentsiblelife.com/2009/07/30/5-a-day-to-keep-the-clutter-away/">5/day Clutter Challenge</a></i></li> </ul> </div> </div> </div> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/kelly-whalen">Kelly Whalen</a> of <a href="http://www.wisebread.com/get-more-bang-for-your-membership-buck">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-painless-ways-to-lower-your-cell-phone-bill">5 Painless Ways to Lower Your Cell Phone Bill</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/wisdom-from-my-favorite-frugal-tv-character-julius-rock">Wisdom from My Favorite Frugal TV Character - Julius Rock</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/14-pricey-things-you-shouldnt-buy-and-what-to-get-instead">14 Pricey Things You Shouldn&#039;t Buy (And What to Get Instead)</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-expert-ways-to-save-time-and-money-at-costco">8 Expert Ways to Save Time and Money at Costco</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-simple-holiday-budget-anyone-can-follow">The Simple Holiday Budget Anyone Can Follow</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Budgeting Art and Leisure discounts membership museums Fri, 20 Nov 2009 15:00:02 +0000 Kelly Whalen 3841 at http://www.wisebread.com Being Healthy Can Have Big Cash Rewards http://www.wisebread.com/being-healthy-can-have-big-cash-rewards <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/being-healthy-can-have-big-cash-rewards" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/425449832_30b3a779da.jpg" alt="Cash Bicep" title="Cash Bicep" class="imagecache imagecache-250w" width="250" height="188" /></a> </div> </div> </div> <p>I recently became a member of my wife&rsquo;s gym. I had always hesitated &mdash; being a frugal person I preferred to work out at home with a few weights and some exercise DVDs. But, when I did join, I found out that my membership gives back in more ways than just my health. Cha-ching!</p> <!--[endif]--><!--[endif]--><p><o:p></o:p></p> <p class="MsoNormal">My reasons for joining the gym were many and varied. It was a chance to spend more time with my wife and children, it was much easier to stay motivated in that environment, and family membership was very affordable. However, I was surprised that no one at the gym told me about all the savings I get as a member. And in my case, they&rsquo;re huge.</p> <p class="MsoNormal">For the record, my gym is called <a href="http://lifetimefitness.mylt.com/index.jspa">LifeTime Fitness</a> (and it would be fair to say it&rsquo;s way more than a gym, it&rsquo;s more of a leisure center). A great guy called Ryan helped me convert my wife's membership into a family plan, and that probably explains why he didn't bring up the benefits of belonging to the gym. But recently I got an email from LifeTime telling me about all of the benefits that members enjoy.</p> <p class="MsoNormal">I was shocked.</p> <p class="MsoNormal">This, to most people, would be a deal-maker. Anyone hesitant about joining would no doubt be tipped over the edge by the big benefits given to members. And when I show you a sample, you&rsquo;ll see why. This is just a very small part of the benefits package I receive:</p> <!--[if !supportEmptyParas]--><!--[if !supportEmptyParas]--><p>&nbsp;</p> <!--[endif]--><!--[endif]--><p><o:p></o:p></p> <ul> <li>Autobuying Programs &ndash; Around $1500-$5000 saving on a new car</li> <li>15% off my T-Mobile bill &ndash; Around $15/month saving</li> <li>$100 gift cards for $85 at Sports Authority</li> <li>10% off all Drugstore.com purchases</li> <li>20% off at Footlocker, Champ Sports and many other sports stores</li> <li>Over $500 off a Dish Network package</li> <li>Half-price tanning at various salons in the area</li> <li>10% off at UPS</li> <li>Up to 25% off at many restaurants, some as high as 50% off.</li> <li>Up to 50% off Budget car rentals</li> <li>$50 off rooms at the Marriott</li> <li>Preferred pricing at many golf clubs</li> <li>Up to $400 off per eye on Lasik</li> <li>Bank deals, including reduced closing costs</li> <li>Up to 12% off Dell computers</li> </ul> <p class="MsoNormal"> <!--[if !supportEmptyParas]--><!--[if !supportEmptyParas]--><p> I could keep going, but I think you get the idea. The savings I get on autobuying program alone will, when I do use it, pay for the price of my membership for years. Add in all of the other savings, including a nice monthly discount on my cell phone, and the benefits of staying healthy really do go way beyond the physical.</p> <!--[if !supportEmptyParas]--><!--[if !supportEmptyParas]--><p>&nbsp;</p> <!--[endif]--><!--[endif]--><p><o:p></o:p></p> <p class="MsoNormal">I would advise you to check with your own health club (or any other club you belong to) and see if you also have a benefits package. Chances are, you do. And you could be saving money right now just by checking it out and making a few calls.</p> <p class="MsoNormal">Let us know how you get on.</p> <!--[if !supportEmptyParas]--><!--[if !supportEmptyParas]--></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/paul-michael">Paul Michael</a> of <a href="http://www.wisebread.com/being-healthy-can-have-big-cash-rewards">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/13-easy-ways-to-save-on-your-gym-membership">13 Easy Ways to Save on Your Gym Membership</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-apps-that-pay-you-to-workout">6 Apps That Pay You to Workout</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/20-healthy-habits-that-can-hurt-you">20+ Healthy Habits That Can Hurt You</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-good-eating-habits-that-are-keeping-us-fat">6 &quot;Good&quot; Eating Habits That Are Keeping Us Fat</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-times-a-gym-membership-isnt-worth-it">5 Times a Gym Membership Isn&#039;t Worth It</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Health and Beauty club fitness gym Health membership programs Thu, 24 Sep 2009 15:22:02 +0000 Paul Michael 3638 at http://www.wisebread.com