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Gym Memberships

How much you can save: $45
How to do it: Now's a pretty good time to join a gym. "Initiation fees have gone down from an average of $121 in 2008 to $99 in 2011," says Meredith Poppler, vice president of industry growth for the International Health, Racquet & Sportsclub Association. Membership rates in the United States are now averaging about $55 per month, but if your rate is higher than you'd like, consider joining a gym such as Planet Fitness or Blink Fitness, a new, lower-cost offshoot of the popular Equinox Chain.

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