I'll do the math for you.your first year will cost you approximately $875.00 (plus tax). HEALTH CLUB #1 (High-end) Initiation Monthly Dues Annually TOTAL $179.00 + $58.00 x 12 = $875.00 Learn how to reduce that price by 100%. It is commonly known that many clubs will offer a "discount" on the initiation fee. Let's say they waived the initiation fee completely, you're still looking at an out-of-pocket expense of $696.00. HEALTH CLUB #1 (High-end; no initiation) Initiation Monthly Dues Annually TOTAL $0 + $58.00 x 12 = $696.00 Since the mid-90's, many new clubs have popped up. These clubs are very nice clubs, but are a little less on the frills. So how much do these cost? Most run in the ballpark of $49.95 for an initiation fee and $24.95 per month. Your first year will cost you $349.35. HEALTH CLUB #2 (Less Frills) Initiation Monthly Dues Annually TOTAL $49.95 + $24.95 x 12 = $349.35 You may have noticed that the prices are quoted annually. Here comes their catch. Most health clubs will offer discounts on initiation or throw in a t-shirt to sweeten the "pot" because they now require you to sign from a one-year to a th...