A Penny For You

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Keeping Your New Years Resolutions

April fools day hit us like a ton of bricks. We make it a practice to review our budget once a quarter to make sure things are generally staying on track for the year. This quarter we were in for a bit of a surprise. Scratch that. Surprise is the wrong word. It was more of an unspoken known fact.

You see, our new years resolution was to go to the gym. Like 20% of Americans, one of our goals was to shed some weight. What that amounted to was an $80 a month bill for 3 months. Want to take a stab at the number of gym visits that were made between January 1st and March 31st? If you guessed more than one but less than five, you'd be correct. 

$240 gone forever. Now, we'll admit that there are cheaper gyms. We opted for the pool and convenience of a gym that was close to home and on the way home from work. We could have just as easily opted for a $20 a month plan at Planet Fitness and cut our losses to $60. The difference being that we thought we had a shot at actually making it to the fancy gym with the pool. Wrong.

Knowing that our budget was suffering we had to make a tough choice. Admit resolution defeat and cut the bill, or recommit to going to the gym. Throwing away $960 a year to not go to the gym is unacceptable. 

We decided to give it another month before canceling and look at our average daily cost. If we don't hit an acceptable cost per visit, we'll downgrade our membership and at least enjoy free pizza night at Planet Fitness. That's at least $20 a month we can get behind. What will we do with the cash we save? Probably drop it into Acorns. The remaining $560 a year will be a nice addition to our savings.

Whether you chose to watch less tv this year, lose some weight, improve your credit score, or cut back on your credit card debt, April is a good time to take another look at your goals to make sure you're on track to live your best life in 2018.


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