Exercise on a Budget

Independent gyms or studios often offer a better value than chain health clubs with lower fees, financial assistance or more flexible payment options. Some options include:

• Yoga, Pilates or Personal Training Studios. Studios usually offer more specialized workouts, but if you're only interested in doing one type of activity (like yoga or Pilates), this may be a good option for you. Studios usually offer packages or allow you to pay by the class. That leaves you free of contracts or monthly membership dues.
• Community Centers: Check with your local community center to find out if they have a fitness center or classes you can sign up for on a seasonal basis. The fees are usually lower than a typical gym membership and they may offer more flexible membership options.
• YMCA: The YMCA is a nonprofit organization with a focus on family health and fitness. Many offer financial assistance to those who need it.
• Jewish Community Centers: The JCC is another family-friendly, nonprofit organization offering fitness centers, group fitness classes and camps and workshops for the kids. They have a variety of memberships to choose from.