100 lb. Club - May have to give up Gym Membership




MugCanDoIt
05-26-2009, 11:49 AM
I already owe two months there.... dont see any more money coming in other that what we use to pay bills. Our car insurance has DOUBLED cause of our teen driver. This is all I need right now, losing weight and enjoying the gym. Guess I'll just have to go walking in the heat and humidity that makes me sick. :(:(:(:(:(:(:(:(:(:(:(:(:(:(:(:(:(:?:


Devsmama
05-26-2009, 11:56 AM
I'm so sorry to hear that. I know what you mean, I love the gym too. Is there things at home you can do? Videos?

nelie
05-26-2009, 12:00 PM
Sorry to hear that. Out of curiosity, why is your teen driving? Out of necessity? Can he pitch in and pay for the car insurance? I personally didn't drive until I was 23 when I was able to afford it.


MugCanDoIt
05-26-2009, 12:00 PM
I dont do videos. But I guess I'll just have to wait till the sun goes down partially and just go walking. Its sooooo humid in KY in the summer, I cant hardly stand it. It makes me sick. I'll just have to be careful. I hate being poor!

MugCanDoIt
05-26-2009, 12:03 PM
Sorry to hear that. Out of curiosity, why is your teen driving? Out of necessity? Can he pitch in and pay for the car insurance? I personally didn't drive until I was 23 when I was able to afford it.

Well he's driving cause his daddy wants him to be able to. I do too. But yes he is gonna have to start pitching in and paying for insurance, cause we just simply can not do it since its doubled. :(

Thighs Be Gone
05-26-2009, 12:06 PM
ditto what nelie said...if they can drive, they can work, right?

I live much further south than you do and don't do gyms either. It gets well over 100 here. Getting up very early (even before dawn) really helps with the heat--or waiting until late in the evening. I also do DVd's from time to time.

I agree w/your screen name--Mug CAN do it! :)

CLCSC145
05-26-2009, 12:12 PM
I would talk to the gym membership folks. I'm sure they've lost a lot of members because of the economy. Maybe they'd be willing to change the terms of your membership and lower your dues instead of losing you all together?

nelie
05-26-2009, 12:19 PM
Well he's driving cause his daddy wants him to be able to. I do too. But yes he is gonna have to start pitching in and paying for insurance, cause we just simply can not do it since its doubled. :(

Well honestly being able to drive and actually driving are 2 different things. I was able to drive when I learned when I was 16. I didn't actually need to drive until I was 23 though. If it is something you can't afford, then its a luxury and really a luxury for him because it doesn't sound like you need him to drive.

JulieJ08
05-26-2009, 12:23 PM
Yeah, in my family you got your license and drove when you could do it at no expense to the 'rents. Period.

RealCdn
05-26-2009, 12:24 PM
It doesn't include any upper body stuff, but someone pointed me towards a 31-day 'no gym, no equipment' workout. I filed the link away in case I'm out of province next summer, in which case I might not have easy access to a gym (think out of the way places). It was part of a 31-day challenge he was running (so it might not be online after June 1st). Someone I know from another board has done 'in person' training with him, so I think the program is pretty solid.

http://www.gymjunkies.com/home-workout-for-beginner/

The other one is also no gym, no equipment workouts, but marked as for advanced trainees.

http://www.gymjunkies.com/workouts-no-equipment/

rockinrobin
05-26-2009, 12:42 PM
I would talk to the gym membership folks. I'm sure they've lost a lot of members because of the economy. Maybe they'd be willing to change the terms of your membership and lower your dues instead of losing you all together?

This is exactly what I was going to say. Times are really tough now, I would make them an offer. If they're wise, they'd take some money, instead of none. This is a great time to bargain.

beerab
05-26-2009, 12:43 PM
Most insurance covers anyone who is driving your car- so just take him off the car. My mom told the insurance that I wasn't a daily driver, that I'd only use the car "now and then" to run an errand for her. The insurance told her don't even add my name then. We had allstate btw.

I mean if honestly your son doesn't really drive the car anyways what's the point of putting him on insurance as a full time driver?

Devsmama
05-26-2009, 01:47 PM
Mug-what part of KY? I'm in NKY.

rockinrobin
05-26-2009, 01:54 PM
Another thing I thought of.

Do you have health insurance? If yes, there are many companies that will cover all or part of a gym membership. I would give them a call and ask if they will. They may have a list of specific gyms granted, but it definitely is worth looking into.

MugCanDoIt
05-26-2009, 01:58 PM
Another thing I thought of.

Do you have health insurance? If yes, there are many companies that will cover all or part of a gym membership. I would give them a call and ask if they will. They may have a list of specific gyms granted, but it definitely is worth looking into.

Hey, I may look into this.........good idea.

MugCanDoIt
05-26-2009, 01:59 PM
Mug-what part of KY? I'm in NKY.

Im in Western KY. Near Owensboro.....supposedly KY's third largest city. :D

MugCanDoIt
05-26-2009, 02:00 PM
Most insurance covers anyone who is driving your car- so just take him off the car. My mom told the insurance that I wasn't a daily driver, that I'd only use the car "now and then" to run an errand for her. The insurance told her don't even add my name then. We had allstate btw.

I mean if honestly your son doesn't really drive the car anyways what's the point of putting him on insurance as a full time driver?

Well he has his own truck...we pay for it. Its in our name though, so maybe we could get by with it???? I may try it. :o

beerab
05-26-2009, 03:01 PM
Oh yeah- if the truck is in YOUR name then you can do that. I had my own car and the car was in my mom's name and it's my mom's insurance agent who suggested she not put me on the car (but make sure you insurance is full coverage and covers ANYONE who drives it). Just tell them something like he rarely drives it so I don't want to pay for a service I'm not using.

MariaMaria
05-26-2009, 05:04 PM
I wouldn't chance lying to insurance with a new driver who has his own, basically, truck. It's too easy to get caught if anything happens (and if you get caught, you've got bigger problems--like insurance being cancelled and not covering any damage he's caused).

I find it interesting that your husband has decided that your son needs a vehicle full time, but you're the one whose personal spending money is supposed to pay for it--not your husband's, even though it was his decision, and not your son's, even though he's the one to benefit.

Daimere
05-26-2009, 05:15 PM
I hate the Kentucky heat so much. I do videos and my boyfriend will not put the AC on. It's like 10 degrees hotter and humid in our apartment. It's soooo bad. I feel bad for the furry cats. :p

VickieLou
05-26-2009, 05:22 PM
You could try the Walk Away the Pounds dvd on really warm days. Also,
some gyms are cheaper than others, maybe you could find a cheaper gym.

WhitePicketFences
05-26-2009, 05:23 PM
Aw, mug :(

Consider making a one-time purchase of a piece of home exercise equipment -- and then using it exclusively.

Besides finding sales (my Schwinn bike was just under $200) you might also browse your local Craigslist fitness section, other classifieds for used equipment.

Maybe you could find something low enough to average out favorably $$ compared to say, a year's worth of gym membership.

luvja
05-26-2009, 06:35 PM
I'm sorry to hear that :( I understand about giving things up due to $ issues. I had to resign from Weight Watchers :(
However, A gym membership or not, it won't slow you down. I have never stepped foot in a gym. I HATED walking at first, but now I love it. It's something you eventually enjoy. Good luck :)

raec
05-26-2009, 07:28 PM
If you have a local YMCA, most offer complete or partial scholarships based on income. Once a scholarship is granted, eligibilty is reassessed every 6 mos.

MugCanDoIt
05-26-2009, 07:53 PM
I wouldn't chance lying to insurance with a new driver who has his own, basically, truck. It's too easy to get caught if anything happens (and if you get caught, you've got bigger problems--like insurance being cancelled and not covering any damage he's caused).

I find it interesting that your husband has decided that your son needs a vehicle full time, but you're the one whose personal spending money is supposed to pay for it--not your husband's, even though it was his decision, and not your son's, even though he's the one to benefit.

Well, it was both our decisions really and my husband actually does put us first, always putting our needs before his. In fact, I noticed him deliberately not picking out very many food items for himself this weekend while grocery shopping, so I could get the healthy stuff I needed. He always does things like that and puts us first.....has for 19 yrs now. so thats not really the issue...I do understand about it being a chance we shouldnt take with the insurance policy and such.....Gosh, wish there was a majic button to push, like the Staples Easy Button....:D

ChrissyBean
05-26-2009, 08:04 PM
Is there an air-conditioned mall nearby that you can powerwalk in? A lot of malls even have walking clubs...

Thighs Be Gone
05-26-2009, 08:13 PM
wow--so many great ideas here--3FC is great!

Jennelle
05-27-2009, 10:11 AM
Mall walking can actually be fun, even though you will be the youngest there by 30 years if you go during the early bird hours. The older folks will love to talk to you. :)

Is the gym you go to the only game in town? We used to go to the hoity-toity gym with racquetball courts and two pools and 20 classes a day. Then we realized we were paying $65 a month to basically use the treadmills, ellipticals, and weights! :lol: We moved our membership to a 24-hour, no-frills gym. No classes, no pool, no tennis courts - just cardio and weights in a strip mall. It's only $29 a month for both of us, and we can (conceivably) go whenever the mood strikes us.

melwolfe
05-27-2009, 11:12 AM
Also, if you have a Wii the new game EA Sports Active is great!

I bought an elliptical at a yard sale last weekend for $10.00 and a bicycle for $20.00 Schwinn bike still had plastic on it and it costs $170.00 in the store, I saw it in Wal Mart but got it (looks like new) for only $20.00!

Good luck! I grew up in Eastern Ky. btw!

Devsmama
05-27-2009, 11:48 AM
I was looking on craigslist today for a treadmill at home, so there's another option.