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Adulting: Reading The Fine Print



I knew Winter was approaching, but I knew I needed to do some type of exercise. I knew in the back of my mind with a foot of snow outside there would be no way in hell I was getting out of my comfy bed to go workout. I could have easily did some Pilates in my room, but I kept reading that lifting weights is good for PCOS. So, what do I do?

I join a gym.
I join Planet Fitness.
I get the Black Card so it follows me to FL.
$22.98/mn isn't a lot.
Right?
Add in $40.76 for "Annual Fee".
Ok, let's break this down...

I didn't read the fine print on my electronic contract. I really did not understand and know what the heck I was getting myself into. There was a lot of fine print red tape that I didn't read because honestly I didn't think getting to the gym would be a big deal for me. 
  1. This is a 12 month contract
  2. In order to break this contract there is a $58 "Buy-out Fee"
  3. In order to break contract you must provide in writing 7 days before your gym fees are due
  4. There is a $15 "late fee" for missed payments

All in all, this gym has cost me more money than it's worth and a lot more stress at a time that is already stressful. Not to mention, my two late payments got sent to a Collection Agency! I can't believe it. A gym membership could tarnish my credit report. Horrible news since I just got my credit score to jump 40pts! (That's another tale for another blog post). So, let's see how much this gym is costing me before I even factor in canceling, which I most certainly plan to do!

Start-Up Fee(October 2nd): $16.55
October 17: $22.98
November 17: $22.98 + $15.00
December: $40.76 + $15.00
TOTAL: $133.27

$133.27 in less than 90 days! This is insane. So, if I continued on with this 12 month contract and kept paying for a gym that I know I have zero time (ok, and a little zero effort) in going to would ultimately cost me: $333.07 without fees and $363.07 with my two late payment fees. Rounded up that's around $28/mn, when walking and Pilates is FREE. Now, my gym membership is due again tomorrow! I'm stuck at work doing a 12hr shift, and by the time I get off work the gym will be closed. WTF am I supposed to do? I now have to pay $116.72 tonight in order for this crap not to go on my credit report, and then $58 to cancel my contract (TOTAL: $174.72) , which all together this whole gym ordeal has wasted me a whopping:

$214.25

Seriously? I now have to use my personal checking account to pay this, when I was using a Wal-Mart Moneycard to pay for this. I have had an issue with a Gym charging me way after I sent in my cancellation letter, so I knew I would never do that again.

*Update!*
I paid with my account and literally on the SAME PAGE it tells you it will be a ONE TIME payment (which in my understanding means your account info WILL NOT be saved, especially when there is a checkbox that you have to check for the option to save for future payments), but I get an e-mail that says thank you for updating your account with new banking info. How shady is that! Also, I went ahead and scheduled to pay tomorrow's $22.98, but I have a gnawing feeling that I will get hit with another $22.98 tomorrow, the lingo on the website was very unclear whether my payment would cancel out the scheduled payment. What a horrible, expensive experience. I will be canceling this account and never dealing with them again. I can't wait to put all this behind me.

Do you have a gym membership? Are you happy with your gym? Let me know in the comments, I want to hear your gym stories!

PS
I had a LA Fitness gym membership about 7 years ago and I loved it! It was more expensive to boot, but I still loved it!

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