Score! 25 Ways to Save Money

GYM MEMBERSHIP: DITCH INITIATION FEES

Ask the salesperson to waive the initiation fee—typically $50 to $150, Melstrand says. (They're most likely to do this if you're switching your membership from another gym, or if you were previously a member of the gym you want to join.)

Just joined a gym? Request a free training session with one of the club's most-experienced trainers. "Many gyms will throw this in for new members, but they usually pair you with the newbie trainers," Melstrand says.