Gym membership on a tight budget- Budget101 Discussion List

Hi Everyone. I'm a lurker and an occasional poster, but now I have the need for any and all information you all can share. My situation is this: I am on an extremely tight budget. With each paycheck, I have to juggle who gets what, and when, literally. With that said, I am also overweight, and

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  1. #1
    pen2i@att.net
    Guest

    Default Gym membership on a tight budget





    Hi Everyone. I'm a lurker and an occasional poster, but now I have the need for any and all information you all can share. My situation is this: I am on an extremely tight budget. With each paycheck, I have to juggle who gets what, and when, literally. With that said, I am also overweight, and desperately want to join a gym. I have had extremely positive results in the past, and know this is the route I need to take again. My question to you all is this: is there a way that I can join a gym frugally, meaning tax deductible or in any way that it will positively affect my finances? Is there any way of having to pay for a memebership, but yet somehow have it reimbursed in some other way? I haven't done any research online, yet. But so many of you have such wonderful ideas, I wanted to start here first. Please, no suggestions of how I can do excercises at home, at work, or the like. I am all too familiar with these options. I am really specifically looking for a way to incorpo
    rate a gym membership in my budget, but with little or no affect in my finances. Many thanks to you all.
    ~Penni
    Hillsborough, NC




  2. #2
    Andrea Fiske
    Guest

    Default Gym membership on a tight budget


    check with your insurance company to see what they would pay/reimburse you

    for.







    Blessings, Andrea in Mass. <><



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    Mortgage rates as low as 4.625% - Refinance $150,000 loan for $579 a month.

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  3. #3
    jewelsglosenger
    Guest

    Default Gym membership on a tight budget


    I am really specifically looking for a way to incorporate a gy

    > m membership in my budget, but with little or no affect in my

    finances. Many thanks to you all.

    > ~Penni

    > Hillsborough, NC



    First if you are low-income then the YMCA has a discounted rate they

    can give you if you choose to work out there. I also don't know if

    every YMCA does this or not, but if you volunteer there for at least 4

    hours a week then you get a free membership there. I had a friend that

    would go in the wee hours of saturday mornings and clean the bathrooms

    and things there for 4 hours every saturday to get a free membership.

    It's worth a call to ask if you have a YMCA nearby.



    Julie








  4. #4
    herberkids3
    Guest

    Default Gym membership on a tight budget


    The YMCA is income based. It has you do a spin down of what you

    make, and what your expenses are, and then bases your gym fee on

    that. You can get in for as low as $10-15 a month for a family of 4

    in some cases.



    If there's one near you, look into it!



    --- In Budget101_@yahoogroups.com, pen2i@... wrote:

    >

    >

    > Hi Everyone. I'm a lurker and an occasional poster, but now I have

    the need for any and all information you all can share. My situation

    is this: I am on an extremely tight budget. With each paycheck, I

    have to juggle who gets what, and when, literally. With that said, I

    am also overweight, and desperately want to join a gym. I have had

    extremely positive results in the past, and know this is the route I

    need to take again. My question to you all is this: is there a way

    that I can join a gym frugally, meaning tax deductible or in any way

    that it will positively affect my finances? Is there any way of

    having to pay for a memebership, but yet somehow have it reimbursed

    in some other way? I haven't done any research online, yet. But so

    many of you have such wonderful ideas, I wanted to start here first.

    Please, no suggestions of how I can do excercises at home, at work,

    or the like. I am all too familiar with these options. I am really

    specifically looking for a way to incorporate a gy


    > m membership in my budget, but with little or no affect in my

    finances. Many thanks to you all.

    > ~Penni

    > Hillsborough, NC

    >










  5. #5
    keigh_ca
    Guest

    Default Gym membership on a tight budget


    --- In Budget101_@yahoogroups.com, pen2i@... wrote:

    >

    >

    While you're looking at funding options, do a search for contests.

    There are so many online and some include gym memberships or funding

    for personal trainers. Be sure to read the fine print to find out if

    it's a single entry or if you can enter daily, weekly, monthly etc..

    Good luck

    kes



    > Hi Everyone. I'm a lurker and an occasional poster, but now I have

    the need for any and all information you all can share. My situation

    is this: I am on an extremely tight budget. With each paycheck, I have

    to juggle who gets what, and when, literally. With that said, I am

    also overweight, and desperately want to join a gym. I have had

    extremely positive results in the past, and know this is the route I

    need to take again. My question to you all is this: is there a way

    that I can join a gym frugally, meaning tax deductible or in any way

    that it will positively affect my finances? Is there any way of having

    to pay for a memebership, but yet somehow have it reimbursed in some

    other way? I haven't done any research online, yet. But so many of you

    have such wonderful ideas, I wanted to start here first. Please, no

    suggestions of how I can do excercises at home, at work, or the like.

    I am all too familiar with these options. I am really specifically

    looking for a way to incorporate a gy

    > m membership in my budget, but with little or no affect in my

    finances. Many thanks to you all.

    > ~Penni

    > Hillsborough, NC

    >










  6. #6
    Cynthia Lau-Work at Home Unite
    Guest

    Default Gym membership on a tight budget


    In my town, there was a gym where my girlfriend would wash the towels, and get a free membership. She carried a couple of bags home with her each time she went.

    <DIV class="MsoNormal" style="TEXT-ALIGN: center;" align="left"><FONT face="Times New Roman" color="#1c3966" size="3"><SPAN style="FONT-SIZE: 12pt;COLOR: #1c3966;"> <DIV class="MsoNormal" style="TEXT-ALIGN: center;" align="left"> #1c3966;"><FONT face="Lucida Bright" color="#003399"><SPAN style="FONT-FAMILY: 'Lucida Bright';">www.WorkAtHomeUnited.com/CindyLau


  7. #7
    Suzanne Fesmire Gibbons
    Guest

    Default Gym membership on a tight budget


    I'm glad you asked this question, because I am

    pondering it myself. This is what I know so far:



    - If you can work at the gym, you usually get a

    membership for free. Gyms that offer babysitting often

    hire people for short shifts, so maybe you could do a

    Saturday morning or something.



    - Some insurance plans reimburse for gym memberships.

    I don't know if any pay the whole amount. Blue

    Cross/Blue Shield of Massachusetts reimburses $150 per

    year.



    - The YMCA offers financial assistance. I was excited

    about this option, however there are limitations. My

    local branch of the Y will only pay UP TO 50% of the

    cost of membership. One adult costs $40, so that would

    leave you paying $20/month if you qualified for the

    full financial aid.



    - If you have some type of business skill (marketing,

    websites, etc.), you could try bartering to get a free

    membership. I think this would only work with a small,

    local gym - not a big chain. I did this for awhile,

    but negotiated to get a free membership PLUS some pay.



    - Also, gyms usually discount their monthly prices

    depending on how long you commit to. There is a health

    club at the Regency hotel here, very fancy, pool etc.

    They offer 1, 3, 6, 9, and 12 month options. If you do

    just one month, it costs $75. If you commit to a full

    year, the price per month goes down to $31 (and

    obviously the other months fall in between those). Be

    VERY careful about their terms and conditions before

    signing a contract, though. Some gyms (like Bally's)

    give you a very hard time about getting out of the

    contract for valid reasons, like medical problems.



    Finally, I know many people would view a gym

    membership as a luxury. However, you are to be

    commended for taking charge of your health - there's

    nothing more important than that. So, if going to a

    gym is what will get and keep you healthy, it is a

    very sound investment. Good luck!



    Suzanne



    Join this group to find out about local deals and bargains:

    http://groups.yahoo.com/group/frugalinmassachusetts/











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  8. #8
    Heather Lowrey
    Guest

    Default Gym membership on a tight budget


    YMCA, look into their "Opendoor" Program. They seem to have YMCA everywhere, and they have some reall great gyms and programs. Really good if you have children, they have "Child Watch"(theywatch your kids for a set amount of time, so you can workout)and children based programs. I thick the YMCA is great. It is not just a place packed full of hardbodies, more often just everyday people trying to be healthy (or get healthy, however you see it). Heather

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  9. #9
    dirwud
    Guest

    Default Gym membership on a tight budget


    just an fyi:



    if you are a member of blue cross/ blue shield as i am, you need to

    call to see if your "group" is part of the wellness rewards program.



    unfortunately, mine is not, so i am not eligible for any type of

    reimbursement. which would be extremely nice.



    i'm an advocate for gym memberships, and taking care of yourself in

    general...i would give up phone/tv long before i would give up

    something that is helping you to be healthier.



    that being said, they are extremely expensive. i did teach spinning

    classes at my gym at one point so, i did receive a free

    membership...but, logisitically now that is not possible, so i'm back

    to paying the whopping $50/month...and definitely feeling it too. the

    key is to make sure you are getting your monies worth out of it.





    darin










  10. #10
    herberkids3
    Guest

    Default Gym membership on a tight budget


    The Y is different in different areas, depending on who runs it (it's

    my understanding that it's sort of like McDonalds, it's a franchise,

    but many different people own & operate Y's). For instance, I know of a

    girl who got her family of 4 a membership at her Alabama Y for $18.00 a

    month.



    My friend in Michigan has her family of 3 on a membership for $36 for 3

    months.



    Call the Y's close to you, because they don't all offer the same deals,

    so what one might offer, others might not, or might have something

    better.





    --- In Budget101_@yahoogroups.com, Suzanne Fesmire Gibbons

    <pseuzanne@...> wrote:

    >

    > - The YMCA offers financial assistance. I was excited

    > about this option, however there are limitations. My

    > local branch of the Y will only pay UP TO 50% of the

    > cost of membership. One adult costs $40, so that would

    > leave you paying $20/month if you qualified for the

    > full financial aid.










  11. #11
    DVICTOR1
    Guest

    Default Gym membership on a tight budget




    <font size="3" color="black" face="Verdana">12.0pt;font-family:Verdana;color:windowtext;">I just wanted to
    vote for the YMCA. We just joined and they are awesome! I can drop off my
    kids for up to 2 hours a day and go and work out. They have (free with membership)
    swim classes, water aerobics, and several land exercise classes. I joined to
    build muscle and they have a computer program where the trainers set you up
    initially and then you just punch in your number and the machine keeps up with
    all you do, your weight, reps, everything! It is like having a personal
    trainer without paying for one, and they are always walking by incase you need
    to ask them a question.
    <font size="3" color="black" face="Verdana">12.0pt;font-family:Verdana;color:windowtext;">We are a low
    income family and I applied and received a scholarship, so I only have to pay a
    percentage of the cost each month.
    <font size="3" color="black" face="Verdana">12.0pt;font-family:Verdana;color:windowtext;">Our location has
    a huge indoor waterslide that my girls are in love with so we all have a great
    time. It has replaced most of our television time.
    <font size="3" color="black" face="Verdana">12.0pt;font-family:Verdana;color:windowtext;">
    <font size="3" color="black" face="Verdana">12.0pt;font-family:Verdana;color:windowtext;">HTH
    <font size="3" color="black" face="Verdana">12.0pt;font-family:Verdana;color:windowtext;">
    <font size="3" color="black" face="Verdana">12.0pt;font-family:Verdana;color:windowtext;">Melissa in OK




  12. #12
    Ray and Jen
    Guest

    Default Gym membership on a tight budget



    <div style="border-bottom:double #666666 2.25pt;">
    <p class="Heading21"><a name="1b"><font size="2" face="Georgia">10.0pt;">Have you considered Curves for
    women? I have just joined Curves. I like it very much and I pay $34
    a month plus a one time 99 membership fee. Ways to incorporate the cost
    into your budget could be as simple as not eating out 2 times a month. Cutting
    back on your soda intake (if you do this). I have found that the reward
    for me is being healthy and being able to quit taking some of my medications.
    </a>
    <p class="Heading21"><font size="2" face="Georgia">10.0pt;">
    <p class="Heading21"><font size="2" face="Georgia">10.0pt;">Jennifer,KY

    <font size="4" color="navy" face="Comic Sans MS">13.5pt;font-family:"Comic Sans MS";color:navy;">God is GOOD!!

    <div style="border-bottom:double #666666 2.25pt;">
    <p class="Heading21"><font size="2" face="Georgia">10.0pt;">
    <p class="Heading21"><a href="http://groups.yahoo.com/group/Budget101_/message/29009;_ylc=X3oDMTJyNDNpcmcxBF9TAzk3MzU5NzE1BGdycEl kAzcwMDI0MzQEZ3Jwc3BJZAMxNzA1MTQ0NzA5BG1zZ0lkAzI5M DA5BHNlYwNkbXNnBHNsawN2bXNnBHN0aW1lAzExNzIwNzg3NjQ-"><span class="Hyperlink1"><font size="2" color="#1e66ae">10.0pt;">Re:
    Gym membership on a tight budget </a>
    <p class="Heading31"><font size="2" face="Arial">10.0pt;">Posted by: "Sheri Adams" <font color="#1e66ae"><span style="color:#1E66AE;">healing4now@gmail.com
    <font color="#1e66ae"><span style="color:#1E66AE;">musicmaker1969

    <p class="Heading41">7.5pt;">Tue Feb20,2007<font size="1">7.5pt;"> <font size="1">7.5pt;">6:09am<font size="1">7.5pt;"> (PST)

    <font size="2" face="Georgia">10.0pt;font-family:Georgia;">I am really specifically looking for a way to incorpo rate
    a gym membership in my budget, but with little or no affect in my finances. Many
    thanks to you all.

    ~Penni

    <font size="2" face="Georgia">10.0pt;font-family:Georgia;">Hillsborough<font size="2" face="Georgia">10.0pt;font-family:Georgia;">, <font size="2" face="Georgia">10.0pt;font-family:Georgia;">NC
    <font size="4" color="navy" face="Bauer Bodoni Bold BT">14.0pt;color:navy;">
    <font size="4" face="Bauer Bodoni Bold BT">14.0pt;">




  13. #13
    Alma
    Guest

    Default Gym membership on a tight budget


    Jennifer when did you join curves? I got a paper saying that they

    are waiving the 99.00 fee and a free 30 day program, so this is a

    good deal too. Alma









    --- In Budget101_@yahoogroups.com, "Ray and Jen" <rjmorgan95@...>

    wrote:

    >

    > Have you considered Curves for women? I have just joined Curves.

    I like it

    > very much and I pay $34 a month plus a one time 99 membership

    fee. Ways to

    > incorporate the cost into your budget could be as simple as not

    eating out 2

    > times a month. Cutting back on your soda intake (if you do

    this). I have

    > found that the reward for me is being healthy and being able to

    quit taking

    > some of my medications.

    >

    > Jennifer,KY






  14. #14
    Ray and Jen
    Guest

    Default Gym membership on a tight budget



    <font size="4" color="navy" face="Tahoma">
    14.0pt;font-family:Tahoma;color:navy;">I just joined this past Monday, 2/19.
    That was the only offer at that time, but my SIL and I would have LOVED that
    offer. Even though I missed that offer, I am really glad to have joined. I have
    done two full 30 minutes workouts, as of this morning and I love it!! I can
    already tell a difference in the way I feel. Can’t wait to see how I feel
    in 1 month.
    <font size="4" color="navy" face="Tahoma">
    14.0pt;font-family:Tahoma;color:navy;">
    <font size="4" color="navy" face="Tahoma">
    14.0pt;font-family:Tahoma;color:navy;">Thanks for sharing your offer. I sure
    wish I had gotten that offer.
    <font size="4" color="navy" face="Tahoma">
    14.0pt;font-family:Tahoma;color:navy;">Jennifer<font color="navy" face="Tahoma"><span style="font-family:Tahoma;color:navy;">, KY
    <font size="4" color="navy" face="Tahoma">
    14.0pt;font-family:Tahoma;color:navy;">
    <font size="4" color="navy" face="Comic Sans MS">13.5pt;font-family:"Comic Sans MS";color:navy;">God is GOOD!!

    <font size="4" color="navy" face="Bauer Bodoni Bold BT">14.0pt;color:navy;">
    <a name="5b"></a><a href="http://groups.yahoo.com/group/Budget101_/message/29059;_ylc=X3oDMTJyN2lqbGg4BF9TAzk3MzU5NzE1BGdycEl kAzcwMDI0MzQEZ3Jwc3BJZAMxNzA1MTQ0NzA5BG1zZ0lkAzI5M DU5BHNlYwNkbXNnBHNsawN2bXNnBHN0aW1lAzExNzIzMjQ0OTk-"><font size="2" color="#1e66ae" face="Georgia">10.0pt;font-family:
    Georgia;color:#1E66AE;letter-spacing:0pt;font-weight:bold;text-decoration:none;">Re:
    Gym membership on a tight budget
    </a>
    <font size="2" face="Arial">10.0pt;font-family:Arial;letter-spacing:0pt;font-weight:bold;">Posted
    by: "
    <font size="2" face="Arial">
    10.0pt;font-family:Arial;letter-spacing:0pt;font-weight:bold;">Alma
    <font size="2" face="Arial">10.0pt;font-family:Arial;letter-spacing:
    0pt;font-weight:bold;">" <font color="#1e66ae"><span style="color:#1E66AE;">almajones1955@yahoo.com
    <font color="#1e66ae"><span style="color:#1E66AE;">almajones1955

    7.5pt;font-family:
    Verdana;letter-spacing:0pt;font-weight:bold;">Sat Feb24,2007
    7.5pt;font-family:Verdana;letter-spacing:0pt;font-weight:bold;"> 7.5pt;font-family:Verdana;letter-spacing:0pt;font-weight:bold;">5:41am7.5pt;font-family:Verdana;letter-spacing:0pt;font-weight:bold;"> (PST)
    <font size="2" face="Georgia">10.0pt;font-family:Georgia;letter-spacing:0pt;">Jennifer<font size="2" face="Georgia">10.0pt;font-family:Georgia;letter-spacing:
    0pt;"> when did you join curves? I got a paper saying that they

    are waiving the 99.00 fee and a free 30 day program, so this is a

    good deal too. <font size="2" face="Georgia">
    10.0pt;font-family:Georgia;letter-spacing:0pt;">Alma
    <font size="4" face="Bauer Bodoni Bold BT">14.0pt;">




  15. #15
    Suzanne Fesmire Gibbons
    Guest

    Default Gym membership on a tight budget


    I'm so jealous! My local YMCA isn't like that - swim

    classes are an extra fee, a "full" scholarship still

    leaves you paying 50% of the membership fee.





    >>>I just wanted to vote for the YMCA. We just joined

    and they are awesome! I

    can drop off my kids for up to 2 hours a day and go

    and work out. They have

    (free with membership) swim classes, water aerobics,

    and several land

    exercise classes. I joined to build muscle and they

    have a computer program

    where the trainers set you up initially and then you

    just punch in your

    number and the machine keeps up with all you do, your

    weight, reps,

    everything! It is like having a personal trainer

    without paying for one,

    and they are always walking by incase you need to ask

    them a question.



    We are a low income family and I applied and received

    a scholarship, so I

    only have to pay a percentage of the cost each month.



    Our location has a huge indoor waterslide that my

    girls are in love with so

    we all have a great time. It has replaced most of our

    television time



    Join this group to find out about local deals and bargains:

    http://groups.yahoo.com/group/frugalinmassachusetts/











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    in the Yahoo! Answers Food & Drink Q&A.








 

 
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