Will you be dieting and looking to be thin and firm up?  Would you want to obtain fitness and health improved by committing yourself to exercise on a weekly basis?  Gym memberships are costly and aided by the shaky economy, spending cash is definitely the last thing that you want to do.  Would be your cash flow limited?  You're not alone.  Most people these days are looking for the most cost effective method of getting along and hanging onto what cash they have.