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Exercise is great.  It makes you look better, feel better and helps you lose weight, build muscle mass and prevent all kinds of diseases.  But you only get the benefits if you actually  do the exercise -- and health clubs' business plans are based on the assumption that you won't.

Think about it.  What if everyone who belonged to a health club started showing up every day.  The crowding would be intolerable.   But since most people drop out, or come only rarely, the bottom line beefs up, even if you don't.

Most health clubs have more rates than US Air, so what you pay may vary widely from the person next to you.  And most have an annoying habit of signing you to lengthy contracts which can be very hard to break, even if the club turns out to be less than satisfactory.

But, all that being said, exercise is even more important than money.  So if you find a good health club, don't begrudge them a few bucks a day.  It's well worth it.

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