My husband & I pay £5 a week into our own slimming club fund instead of going to a to a commercial slimming club & paying out for that. We don't miss the money & it quickly adds up over the weeks. We are going to use the money towards renting a cottage for a walking holiday next year.
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I recently joined a local running club. Having payed the annual fee and and stated my commitment to this small group is motivating me to keep going for the runs. Before joining the club, I repeatedly made excuses for not running, since I was not accountable to others.
Check out this CNN Money article about "7 banks that are still awesome": http://money.cnn.com/galleries/2011/pf/1110/gallery.best_banks_checking/index.html?iid=EL
Not every one of them will be good for a particular individual, but many offer no ATM fees (or reimburse you for the fees), pay interest on checking accounts, offer higher than average yields on savings, etc.
Read the summary for each bank and then I suggest you call or go online for more details.
If you can't afford or don't want to use a gym, then workout at home.
However, pretend you are going to the gym, set a time, then "pay your entrance fee"., even if it is just a $1 Do this for a month, and then at the end of the month use the fees collected to reward yourself.
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