Find the right match

It's also important to find a place that makes you feel comfortable. Instead of just taking a tour of a facility you're considering, ask for a guest pass. That way you can work out there under different conditions.

Things to consider

There are a number of things to think about to help you make your choice:

• Professionalism. The club should be clean and well-maintained. Staff members should have appropriate educational backgrounds and be certified by a nationally recognized association. They should be able to help you in all aspects of fitness. This includes strength, cardiovascular, and flexibility, as well as your specific area of interest.

• Atmosphere. Gyms tend to have fewer frills, while health clubs offer more luxuries like upscale changing rooms.

• Convenience. If you have to drive an hour to get to your club, you'll soon get tired of the hassle. Look for a facility that's close to home or work, or halfway in-between.

• Services. If massages, steam rooms, and an on-site nutritionist are important to you, be sure they're important to your club, too. If you travel, does your club have shared memberships with clubs in other cities?

Read the fine print

Some clubs require you to sign a contract to become a member. Read it carefully before signing it. If possible, compare it with the contracts of other clubs in your area. These are things the International Health, Racquet, and Sportsclub Association advises you to find out about:

• Length of your commitment. Is it month to month, or are you required to join for a certain period?

• Cancellation options. Can you cancel your membership before the end of the contract? Under what conditions?

Enjoy the payoff

After you've spent your money on a membership, here are some ways to get the best value for your health club dollar:

• Take stock of everything your club has to offer. Classes? Competitions? Variety will keep you interested and motivated.

• Read the bulletin board. Clubs are often centers for fitness activities in their communities. Many club bulletin boards also offer tips on nutrition and fitness, and deals on equipment.

• Use the trainer. A trainer can make sure your fitness program is right for you.

• Be wary of nutritional supplements and other products sold by the club. Compare prices to similar items in retail stores.