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Tom Holland, exercise physiologist, fitness consultant and author, stopped by Studio 1A to share a few tips on how to score a cheap gym membership — and get your money's worth, too.

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Try out the gym on the day and time you always intend to work out. It might be relatively empty on a Saturday, but you don't want to find out there's a line for every machine on your desired weekday after you've purchased the membership. Summer may have best prices.

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You can always negotiate. It's easiest in the summer when signups are slower, but hardest in January when everyone wants to use the gym. The "initiation fee" is almost always negotiable.

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Holland suggests that people refuse to pay it at all. If they put up resistance, walk away. They will most likely call you at home and offer no initiation.

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Join a day or two before the end of the month. Gyms have strict membership quotas that they need to hit, and this is the time you can negotiate the best deals. According to Holland, this can include perks like no initiation fees, discounted monthly membership, free personal training sessions, massages and clothing. Pay for your membership in advance. You can often get a discount when you pay in full. Also, if you want to cancel, they don't have a credit card on file to charge.

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Canceling can be difficult. Many gyms also continue to charge your credit card after you have left.

However, it's mandatory by law that the gym offer a three-day grace period to cancel. Missed the deadline? Take the stress out of planning your next trip, leave it to us. Protect you with a variety of insurance products meeting all your needs. Give us your auto and home insurance renewal date.

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