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Paying top dollar for a gym membership each month? Take a good look at how often you're actually using it (Be honest!). If you aren't hitting the gym regularly, you aren't doing your body—or your wallet—any favors, says Kimberly Horn, a certified financial planner for Mission Wealth Management. There are plenty of other ways to get in a good workout without the gym, so don't waste your money paying for something you aren't using! Running outside, doing bodyweight exercises like pushups and planks, or jumping rope at the park are all free and effective ways to stay fit, Horn says.
Take action: Figure out the real reason you've been avoiding the gym. Do you love it but never have time to go? Try scheduling your weekly workouts like you do for an important meeting to make your time and money count. But if you prefer working out at home or outdoors (and do so regularly), your gym membership may not be necessary. Ask about your gym's policies to see if you can cancel (or at least freeze) your membership without penalty.
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