Consumer Reports: How to save money on gym memberships

More than 50 million Americans belong to a gym. One of the biggest reasons they say they quit is the cost. Consumer Reports did some digging and came up with five tips for saving money and keeping your fitness regimen on track.

If getting in shape is one your New Year's resolutions, you don't have to break the bank to break a sweat. Just like buying a car, the first rule is always negotiate.

"Always assume you can get a better deal. You do that by asking the right questions and visiting at the right times," said Mandy Walker, Senior Money Editor, Consumer Reports.

January is a great time for promotions, but wait until the end of the month when sales teams may be more eager to make a deal. Consider bringing some friends and asking for a group discount.

Number two: Consider what kind of membership you really need. Some gyms let you pay less for more limited access and fewer perks.

"If they're not going to utilize the amenities, then they can just come in and just pay $10 a month. If they are interested, then they can pay the $19.99 a month," said Destiny Rivera, gym manager.

Be sure to ask your gym for a cheaper plan, since it may not advertised.

Number three: See if your boss is willing to share the cost.

"About half of larger U.S. firms have wellness programs. Many of those include discounts on gym memberships or the ability to access to on-site workout facilities," Walker said.

Also, check your health-insurance policy for gym benefits. Some Blue Cross Blue Shield members can pay as little as $25 per month at fitness chains around the country.

Finally, if you don't know how often you'll be able to work out, or if you're the kind of person who likes to mix it up with different kinds of workouts, consider a pay-as-you-go membership.

With these deals, you can sign up at more than one type of gym and only pay when you use the facility.

Don't forget, most gyms offer free trial passes for the day or sometimes for up to a week. That way you can have a better feel for the gym before you sign on the dotted line.

All Consumer Reports Material Copyright 2015. Consumers Union of U.S. Inc. ALL RIGHTS RESERVED. Consumer Reports is a not for profit organization which accepts no advertising. It has no commercial relationship with any advertiser or sponsor on this site. For more information visit consumer.org