Some Insurance Plans will at least partially cover a Gym Membership. You might check to see if Curves is included on your Insurance Plan.
It is usually Not Crowded at Curves, and if you get one with a Great Staff, they will Encourage and Motivate you No End. You will Learn to Love your Workout!!
All that being said, and with a Disclaimer that I LOVE CURVES, you do NOT Have To Join A Gym. Treat your Workout/Fitness Time as an Appointment that is Non Negotiable. Show up for your workout -- even if it is in your own Living Room -- as faithfully as if it were a Paying Job. In a sense, it IS a "Paying Job" -- You Get Paid in Better Health, More Strength & Endurance, More Energy, Less Pain, and Stronger Bones.