Exercise caution before joining a gym - 21 News Now, More Local News for Youngstown, Ohio -

By Andrew Housser

Getting in better shape is always among the top New Year's resolutions. For many, the start of a more active lifestyle begins at a fitness center. Joining a club can be a smart idea -- as long as doing so doesn't mire you in a costly contract, and you actually put your membership to good use.

Be cautious before signing on the dotted line. In 2011, the Better Business Bureau received close to 11,000 national complaints about health clubs, putting the industry in the top 20 businesses receiving complaints. Fortunately, it is possible to get in shape -- and stay in good financial straits -- by taking these steps.

1. Get to know the gym.

You hopefully will be spending a lot of time at your chosen fitness center. That is why it is important to choose a gym that fits your needs. Most facilities offer week-long trial memberships. Take advantage of these to try out classes and see how busy the cardio and weight machines get during the hours that you plan to go. Determine whether the facility is convenient to your work or home. If it is a hassle to get there, you probably will not go often. If you are still unsure once the introductory period is up, see if you can sign up for a contract-free month-to-month plan. Pay in cash, not via automatic withdrawal or credit card, so you have control over your commitment.

2. Be budget conscious.

Joining a gym is a commitment of your time and energy, as well as your financial resources. Those monthly fees add up. After any introductory periods are over, the price could jump higher than your budget can handle. Do the math before you join. Make sure that your budget can handle this additional monthly expense. Many places require access to your bank account or credit card for automatic monthly payments. Unless you are positive you will pay off your credit balance in full each month, opt for the bank withdrawal.

3. Take your time with the contract.

Do your research before joining and do not give in to high-pressure sales pitches. Make sure you understand the terms and pricing once an initial period ends. Determine whether the contract will automatically renew, and if so, what steps you have to take (and when) if you decide to terminate. Other things to check for: the ability to freeze your membership if you are unable to exercise for a period of time due to illness or injury; reciprocal agreements with other gyms in the area or nationwide (beneficial if you often travel for work); and the termination policy if you move away from an area that has a fitness facility. If you are joining a locally owned gym (one that is not part of a national chain), make sure the contract details a reimbursement plan if the facility goes out of business and you have already paid upfront for services.

4. Be clear on the cancellation policy.

Buyer's remorse is common with gym memberships. Most states have laws that give consumers a set amount of time -- anywhere from 24 hours to 7 days -- to reconsider a health club contract. Should you decide to cancel, make sure you have a record. That means sending a letter of cancellation via registered mail or using another method that ensures proof of delivery. Make sure you get a cancellation receipt from the gym and keep it with your important files for at least a year.

A health club membership is not the only way to get into shape and shed unwanted pounds. Consider other more budget-friendly options, too. Local community and recreation centers often offer well-priced drop-in admissions, punch cards for frequent visits, and monthly or annual passes. You can check out free workout DVDs from the library or stream them online on your computer. Walk or run with a friend. Tune up the bikes and hit the trails as a family. Many parks now have exercise equipment like pull-up bars.

Whatever you choose, when you find something that you enjoy, you are more likely to stick with it. Soon, you will be on your way to a healthier you -- physically and financially. 

Andrew Housser is a co-founder and CEO of Bills.com, a free one-stop online portal where consumers can educate themselves about personal finance issues and compare financial products and services. He also is co-CEO of Freedom Financial Network, LLC providing comprehensive consumer credit advocacy and debt relief services. Housser holds a Master of Business Administration degree from Stanford University and Bachelor of Arts degree from Dartmouth College.