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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.