Save Thousands A Year By Cutting These Expensive Habits

Unused gym memberships

The average gym membership fee can cost up to $50 to $70 a month. You can easily pay more money than that for membership in the newer, hype-crazed, exclusive gyms that open. When you add in initiation fees, that can add up to $800 a year, or more. Over 60 million Americans paid for membership in a gym or fitness club in 2017.

The sad reality is that most of them give up or never even make sure of their paid gym memberships. Many never go after paying for a membership. They give up completely after a few visits within six months. Only about 18% to 20% of Americans ever make regular use of their gym memberships. Of that number, only half will visit the gym 100 times or more a year and make the most of their memberships.

Gym owners project their financial profits based on the probability of you ditching your membership. Almost all sign up more members than can be reasonably be accommodated. They know everyone won’t attend. If you sign up via credit card, check your statement. Make sure that your gym is not automatically renewing your monthly membership. It’s a stealthy way to increase their margins on the 82% of members they know will drop out.

For all of this financial drama, you are better off researching workouts online and working out at home. Safely make the most of your home environment to get the most out of your workouts. Invest in few pieces of home workout equipment if desired. It doesn’t make sense to buy expensive workout equipment just to use it as a clothes hanger shortly after purchase.

Small-cap winners galore

The big stock market winners share one common attribute: Near the beginning of the ascent of their shares, the companies offer revolutionary products or services, are market leaders in their respective industries, or both. Some big stock market winners that possessed the attributes outlined above are Netflix (NFLX), which we recommended to investors in October 2002; Intuitive Surgical (ISRG), which we bought and recommended in July 2004; Baidu.com (BIDU), which we bought and recommended in August 2006; and MercadoLibre (MELI), which we recommended to investors in October 2010. Get up-to-date small-cap stock picks from David Frazier, editor of Small-Cap Profit Confidential.
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Smarter cryptocurrency investments

The stock market crash of 2008 was the catalyst for his journey into alternatives. And interestingly, it was the impetus behind the creation of Bitcoin and the blockchain technology behind it. Keene Little wasn’t ready to risk his money yet but he was very curious, so he began charting Bitcoin’s technical patterns. What finally convinced him to dip a toe into digital currencies was seeing that they followed familiar price patterns that could be analyzed and successfully acted on. Now he shares those insights with subscribers to the Crypto Wealth Protocol.
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