Before You Join a Gym...

Did you know most gym contracts are non-refundable? When we flock to the gym in droves in the new year -- with our determination to meet our fitness resolutions -- it's all too easy to sign on the dotted line without thinking it through.

But keep in mind, while a few exceptions can allow you to cancel a gym membership contract -- e.g., you move more than 25 miles away or you're injured and your doctor says you can't work out -- the contract is a contract and your membership will have to be paid (or, more than likely, drafted from your bank account) whether you're using the facility or not.

Like the song says, "You better shop around," and compare contracts, special offers, and limitations at different gyms in your area as they can vary greatly. Be sure to inquire about student, teacher, or senior citizen discounts if you fall into one of those categories.

Next, when you're presented with the contract, do not sign it on the spot. Resist high pressure sales techniques and stick to your guns -- don't sign anything until you've had a chance to go home or another quiet location and go over it with a fine tooth comb, or, better still have someone else read over it in case they spot something you didn't.

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