Whether you already belong to a gym or are looking to join, there are some tricks to getting the most out of your money.

The first thing to do is to find out about any discounts that your local gyms offer. Some gyms give student discounts with an ID and some partner with companies and give employee discounts.

Also, call your insurance provider because some insurance companies will cover the cost of gym memberships. They hope that a gym membership will keep you healthy and therefore they will spend less on you in the long run.

If you do not have a gym membership, but want one without spending a lot of money look into alternatives. You may be able to find a community center, college, or high school that offer cheap memberships or even free use of their facilities.

To get the best deal on a gym membership you will have to negotiate.

The best time to try this is during the fall or winter months when gyms can use the extra business. Go to a gym and tell them you are interested in joining. When you are told how much it will cost, ask surprised and like it is too much. Then, tell them that competition you have a better price. If they are willing to give you a lower price, take it. If they are willing to give any discounts then just leave and try the same tactic at another gym.

If you are a gym member, make the most of it and actually save yourself money. Take advantage of your membership. After exercising, shower at the gym, use their soap and towels. Women can even dry their hair at the gym. Doing these few simple things every time you are at the gym can save you money on your home water, electric, and gas bills.