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It kind of amazes me that people would attempt to begin getting fit by paying out a big chunk of cash to do so, instead of starting with free alternatives, like simply walking or doing body-weight exercises.
Well, in all fairness, this is what I did. Mostly because I don't really have anyplace that I can walk w/out driving to it first, and secondly because I had no idea WHAT to do for bodyweight exercises. I was seriously clueless.
Also the idea that if I was spending money on it, I'd actually go because I can't bear to lose the money was a big incentive.
But also keep in mind that a lot of gyms *don't* require a "big chunk of cash". I joined my gym when they were having a special - and by the time i was done negotiating, I had them waive the initiation fee and only pay a $35 processing fee, plus $35 a month with no contract. So ... for me, the incentive of "I have to go becuase I'm paying for it" was huge and it wasn't so much money up front that I would have freaked if I'd decided a gym wasn't for me.
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