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Frugality is an approach to managing personal finances that focuses on saving money through smart choices. To be frugal, you need not always opt for the lowest cost, but the best quality for the price. Consumerism Commentary offers many frugal living tips.

Frugal Living Tips

Frugality is an approach to managing personal finances that focuses on saving money through smart choices. To be frugal, you need not always opt for the lowest cost, but the best quality for the price. Consumerism Commentary offers many frugal living tips.

There’s a good reason I can’t get into extreme savings for retirement. When desperate financial times call for desperate financial measures, there is a good incentive to cut all unnecessary spending and eliminate bad debt. Many people even wait until they hit rock bottom before reforming their approach to their finances, because the effects of bad money management aren’t always clear until they’re completely unavoidable.

After one extreme — complete lack of reasoning and complete lack of understanding consequences — there is a tendency to hit the other extreme. An obsessive spender is just as likely to become an obsessive saver. A little obsession might be good. When I realized I wasn’t saving for my future, I began tracking every cent of income and expense, and it helped me learn where I could cut back my spending and improve my income. It’s an important part of moving your life in the right direction, and I still recommend this to anyone who hasn’t seriously considered their money management skills, particularly those who aren’t left with much net income at the end of the month, if any.

There’s a danger in taking saving too far. Money is more than a number, and you are more than just your net worth. The only point in growing your bank account balances is to use that money for something at some point. Money has no intrinsic meaning; its purpose is only what you can do with it. Although it’s a problem not many will face, it is possible to save too much money.

The government encourage saving decades in advance for retirement by providing tax incentives. It’s a good way to decrease the burden on employers, who at one time offered pensions to assist their employees when they could no longer work. Pensions have all but disappeared in the private sector, replaced by 401(k) plans and IRAs. Preparing for retirement in advance is healthy financial planning, but you still have to consider there is a chance, though remote, that you won’t survive until the end of the saving-for-retirement phase of your life.

It’s a morbid thought, of course, and I wish all Consumerism Commentary readers a long, healthy life. An insurance company may use actuarial tables to determine the chances of any individual living a certain number of additional years, but it’s just an estimation. When we plan for the future we have to assume that the money we invest or save while looking at a time horizon decades in the future will be there when we need it, but we also have to assume that we’ll be there to use it. That’s a lot of assumptions, and putting money away that could be used today is a certain type of risk.

Having a will helps a saver feel comfortable with the fact that if his money outlives him, it will at least see a chance to be used, either by relatives who might save it or by a non-profit organization who can use the funds to move its mission forward. For those who have the means, however, having not completed everything on a “bucket list” could be a regret. Life is almost always shorter than we want it to be, and with many fulfilling activities, many of which require money, it doesn’t make a lot of sense to wait until retirement to do everything.

It’s not a good idea, though, to take this “life is short” mantra and use it as an excuse to spend money with wanton abandon. This is a toxic financial attitude, even though it could be considered the opposite of putting your financial concerns off until the future, another toxic attitude.

While I fully agree that everyone should seize the day in as many opportunities as possible, this approach should be balanced with enough consideration for the future. I don’t think that balance can ever be perfect, though. All anyone can do is make an educated guess, and aim for an approach to finances with which one is comfortable. One that provides a chance for thriving when income from work is no longer a factor while taking advantage of opportunities today for enjoying life.

The good news is that we can enjoy life today while saving for the future. It doesn’t have to be one or the other, although when you’re living paycheck to paycheck or worse, the smart decision is to focus on getting out of that situation and beginning to build wealth as the primary and only priority. Once you are building wealth, you are in a better position to have that flexibility. The frugal approach to life assists with this goal. You can find ways to enjoy life on a budget while keeping the automatic investing plan in full force.

Although I save for retirement to cover myself in the likely event I’ll eventually want to stop working in exchange for money — likely well before I reach the government-suggested age of retirement — I want to make the most of my time today. That doesn’t always require money, but sometimes it does.

  • I see people putting up with terrible bosses and jobs they don’t like. Life is too short to waste your time in situations that aren’t ideal, or at least moving in that direction. It’s a myth that we need to just accept what we have and be happy when we’re treated poorly at work. When the economy is bad, people are brainwashed into thinking they should be lucky to have any job. Get out and find something better.
  • Unhappy marriages and personal relationships are similar to bad working situations. Life is too short to spend your life with someone who doesn’t make you happy or to force yourself to spend time with people who don’t share your values. There are seven billion people in the world.
  • Why waste your time watching television when life is so short? Well, while reading a novel might better flex your neurons, seeking entertainment is a part of enjoying life today, so don’t be too quickly to accept the productivity refrain that mindless entertainment is a waste of time. There may be better ways to be entertained, but life is not worth living if you have to be productive every waking minute of every day — especially if that “productivity” is for the benefit of someone else.

Recognize that life is short and that we might lose our chance to enjoy life if we wait around for retirement or financial independence to start living. We can’t use the fact that life is short as an excuse that prevents good decision-making, which takes the idea to the extreme to the detriment of important goals like saving for the future.

How do you balance the need to plan for your financial future and to achieve financial independence with the need to make use of what you have and enjoy life today? How do you make the most of what is a relatively short life without sacrificing your future? How do you prevent “life is short” from becoming a toxic financial attitude that takes away your ability to save?



For several years, it was a February tradition on Consumerism Commentary to look for moderation on Valentine’s Day. Many young couples would like to use the day to express their love, but might not have the financial means to do what television commercials make you believe is normal. If you have additional ideas, feel free to share them below.

I stopped the tradition of sharing frugal Valentine’s Day ideas by 2010, as I was all ready farther away from a frugality mindset myself. For me, I had a substantial income from my own business, and I was simply counting down the days before leaving my day job to pursue Consumerism Commentary full time.

Frugality wasn’t the first thing on my mind, personally, but it was and is still an important approach for couples throughout the world.

I understand that Valentine’s Day is just another day, and couples can and should be expressing their love every day. I also understand that the holiday is almost purely commercial in nature; Hallmark is only one of the companies that view the holiday as a pay day.

And other retailers excel at making the public believe that spending money is essential for expressing love. But here’s the thing. There are very few worse things you can do as a couple than going into unnecessary debt. I can’t imagine there are people who go out and buy a luxury car for their partner with a giant bow, but Lexus wants you to think there are.

Celebrate Valentine’s Day in a way that bears no resemblance to the commercials. I say avoid mass-produced “love” encouraged by jewelry, luxury vehicle, tropical resorts, and florist companies, and take a personal approach.

LoveThe reality is that for a good portion of couples, frugality isn’t just a choice, but the only choice. The recession officially ended years ago, but its effects still linger. Millions of people are unemployed or underemployed, and paychecks for everyone but the highest paid workers haven’t risen.

Looking at Valentine’s Day through a frugal lens can allow you to express your feelings without sacrificing your financial condition as you stretch to afford to spend a night in a hotel, go on a cruise, or buy a car.

Here are some of my suggestions for experiencing a frugal Valentine’s Day this year, some serious, some with tongue firmly planted in cheek. (And if everything works well for you this holiday, perhaps your tongue may find its way somewhere else.)

1. Make your own greeting cards. Hallmark would have you believe that people love receive cards that play music when opened. Of all the lies commercials tell, this has got to be the worst. No one likes cards that play music, especially eight-bit monophonic music. No one likes personal recordings in cards, unless they’re really funny.

Even standard greeting cards aren’t worth the price. I can never find one that expresses my thoughts accurately. If I could find a card, what would that say about my thoughts? If a card truly spoke for me, my thoughts about love would have to be so generic that thousands or millions of others would express their love the same way.

I refuse to believe that any individual’s brain cells and synapses are aligned in the same way as thousands of other people.

The bottom line is that it takes little effort to hand-write a note or design your own card. You don’t need mad Photoshop skills to make something, either. You can visit this site for some free designs that allow you to easily add your own text. Or just find a photograph of the two of you together and add a note. It’s so much more personal and meaningful.

While you can find $0.99 Valentine’s Day commercial cards, the more popular cards at Target or CVS can cost $5.99, $6.99, or more, while at a Hallmark card store there’s virtually no limit.

2. Pass over the brand-name chocolate. A chocolate connoisseur won’t be impressed with Hershey’s or M&Ms, so the real chocolate is going to be more pricey. Chocolate is a great comfort food because its chemicals stimulate pleasure centers in the brain. You can spend $60 to $100 ordering chocolate to be delivered to your loved one’s place of work on Valentine’s Day. For this, Edible Arrangements is one of my favorites. You can get fruit and chocolate!

But it’s expensive. I’ve found over the years from Consumerism Commentary readers that chocolate is a Valentine’s Day necessity. Suggesting the elimination of chocolate will start reader riots. Here’s the frugal twist. Buy some fresh fruit and chocolate powder or chips from the grocery store instead, and spending the evening making your own chocolate fondue. That way, you take a food favorite and save a lot of money while enjoying a fun couple’s event.

3. Don’t rent pornography. Rather than supporting a dangerous industry, pick up the camcorder, mount in on a tripod, and get to work. If you’re too shy to film your own, peruse your local sex library. If you do, however, choose to take the do-it-yourself approach with your partner, please be sure not to upload your work accidentally to a public website. Lives have been ruined — though in a few cases, fortunes have been made. But chances are slim that you’re the next Kim Kardashian.

4. Avoid lingerie. Here is something that’s pointless. Why spend a lot of money for a small amount of clothing, particularly if the desired end result is the removal of said clothing. Stay naked. Nudity is sexier.

In the past, readers have suggested a strip tease as a fun, frugal, sexy activity to get the night started. You don’t need new lingerie when the focus is on the removal; in fact, a strip tease that starts with business attire might be hotter. If you’re into that kind of thing.

5. Turn off electrical appliances. No television, no lights, nothing that draws power provided by an outside source. Light a candle if you need to see, but otherwise just get in bed and cuddle in the dark… without the aforementioned lingerie.

Save a few bucks on the electricity bill for the night.

6. Skip the gourmet dinner. Filet mignon at Ruth’s Chris is unmatched in terms of taste. Another one of my favorites is the four-course fondue dinner at The Melting Pot with cheese, salad, entrees, and dessert. Dining as an experience is an important part of life for many people, but it isn’t a frugal choice. Those Melting Pot dinners can easily cost upwards of $100 for two, especially once you add in the alcohol.

I’ve been somewhat successful, romantically if not culinarily, cooking myself for the more important occasions. It helps that I don’t cook often; when I do, it’s a special occasion in itself. And remember, when it comes out, it smells the same whether it’s McDonald’s or Omaha Steaks.

7. Create a playlist. They tell me that mix tapes are out of fashion in the twenty-first century. I was big on mix tapes throughout high school and even college. It was never a challenge for me to find songs that I wanted to share with other people, and since I already owned the music for the most part, the only cost was blank audio tapes. Towards the end of college, blank tapes gave way to blank CDs.

When I first started exploring frugal Valentine’s Days, the MP3 player was the device of choice for listening to music. But even in a few short years, the iPod is gone and people listen to services like Spotify on their mobile devices. This has become my method for enjoying music as well. And one thing Spotify does well is allow users to create their own playlists — mix tapes of today.

So create a customized Valentine’s Day playlist to share with your spouse or lover.

8. Find free entertainment. Outdoor concerts in February might not be popular where you live; this doesn’t happen in cold New Jersey, but it may be an option in Arizona, for example. Chances are good you might be able to find some music or theatrical performances for free somewhere near you, if you don’t live somewhere rural.

Some city symphony orchestras and theatrical groups offer free concerts at certain times of the year, so you may be able to find some quality entertainment without spending much money.

Also check out these 5 romantic outdoor day-date ideas under $30.

Note: Don’t feel bad if you are without a partner on this Valentine’s Day. All of the above activities can be accomplished as well, if not better, on your own. If you have any additional frugal Valentine’s Day tips, be sure to leave comments here.

♥ Happy Valentine’s Day from Consumerism Commentary! ♥

Photo: slightly everything


I’ll be honest. When the idea for this article struck me late last night, I had a definitive idea of how I was going to address the topic of conservation mode. But the clarity of day may have changed what I think about the idea.

Throughout my life, I’ve been working with scarce resources. Now, not as scarce as most people living on this planet, but scarce in my environment. After college, time and money eluded me, as I was busy working for an organization that was unable to provide the compensation that would cover my living expenses, which were already low. Working with limited financial resources, I made some living choices out of necessity, like living in an apartment with a group of friends, crashing my newlywed friends’ guest room, and even moving in with my father in his significant others’ house. Talk about an imposition; he had only just moved in there himself.

When you have a new, full tube of toothpaste, if you’re anything like me, you’re more inclined to line the whole length of the toothbrush bristles with the paste when you brush your teeth. When you get to the end of the tube and start rolling up the end, you know a shopping excursion is on the horizon, and you know it’s almost time to spend another $4.00. The price isn’t even relevant, it’s just the fact that you’re running low of a resource. You may start lining only half the length of bristles with the toothpaste; after all, the dentist says you don’t actually need to use more than that.

The same behavior seems to be true regardless of the resource. In the bathroom alone, you use less toilet paper when your last roll is getting thin and less shampoo when the bottle is getting light. You easily adapt and made do with less — and less is all right in these cases. You’re not sacrificing quality of life by conserving toiletries.

But living in this scarcity mode does wear thin a little. You get tired of being low on resources, so you go to the store, replenish your supply, and start the cycle over again while flush and feeling rich.

I’ve found myself doing the same with the money in my checking account. I try to keep $2,000 to $3,000 in my checking account after my credit card payment is made. (I pay for almost all my daily expenses with a rewards credit card and pay off the balance each month.) Because my only consistent income is writing for this website, and because the company that owns it has been reducing the budget, my regular work income has been lower than usual. Therefore, it’s been increasingly difficult to meet my expenses while maintaining a buffer, as I’ve avoided dipping into my investments for income.

So I’ve been living life more frugally than one might expect of someone who sold a profitable business for a good amount of money. When I first started paying attention to my finances and learning about long-term investing, I figured I would need $2 million to retire comfortably and would have to work forty years or more to get there. When a financial planner asked me about my retirement goals recently, I couldn’t even come up with a good answer. On the one hand, I’m already retired — I have a higher level of assets than I ever expected and have no real pressure to work (except the pressure I put on myself) and I am free to spend my days however I want. But on the other hand, I don’t want to live off my assets just yet. I still have more to do, more to accomplish. I’m not done.

Also recently, in a different discussion, an investment manager asked me how much money I needed every month to fund my lifestyle. To be honest, I don’t know. I’ve committed myself as a volunteer to an organization, and my new responsibilities prevent me from living full-time elsewhere or even taking a good amount of time to travel. I still live in the same apartment I’ve had for the last eight years, the apartment I moved into when I finally conceded that my website was a business that was earning real money I could use for expenses. There may be a few indulgences here and there, like a regular massage and home grocery delivery (who really likes walking around a supermarket?) but this seems to be the extent of my extravagance.

So the threat of not being able to pay my monthly bills is something I put on myself. Maybe it’s because this is how I lived for so long, maybe the pressure keeps me aware of my situation. I could sell investments and keep a healthy amount of money between checking and savings, but that would mean watching my investment account decrease. And I’ve grown accustomed to it increasing for the last decade. Nevertheless, that’s likely going to be the plan this coming year.

I’ve believed that forcing myself to live more frugally than necessary is a good thing. Science may disagree with me. I’ve always understood that dealing with urgent problems prevents people from making solid decisions about the future. (See Why Some People Can’t Save: A Matter of Urgency.) However, there must be some benefits to living close to the edge. You’re on your toes, you’re not getting comfortable and lazy, and you keep your eyes open with hyperawareness.

When you have enough resources, your mind isn’t consumed with survival strategies. You are free to cogitate on a higher level.

Poor farmers in India actually perform better on cognitive tests at the end of the harvest season, when they are flush, than at the beginning, when they are running low on money. The effect? The equivalent of a 13-point drop in IQ. (Psychology Today)

We then completed a battery of studies where we saw that manipulating scarcity has an enormous impact on people’s cognitive capacity. First… we went to a mall in New Jersey where we asked people to complete tests measuring cognitive control and fluid intelligence, a component of IQ. We had them do these things while they were contemplating a financial scenario — something that’s manageable, requiring $150 to fix a car that broke down, or more demanding, requiring $1,500 in car-related expenses. We divided the participants by household income and found that the rich people in the mall did equally well on the cognitive tests, whether they were thinking of the challenging or the less challenging scenario related to the car. The poorer people in the mall were equally capable cognitively and did just as well on fluid intelligence as the rich when they were thinking about the manageable scenario. But once they contemplated the more challenging scenario, their scores went way down. Simply being preoccupied with this demanding financial challenge makes them perform worse. (American Psychological Association)

A person who manipulates his money to trick himself into a situation where resources is scarce is still someone who knows his problems aren’t serious. If resources are scarce out of necessity, decision-making skills are impaired. If resources are scarce but within control, as they would be for someone who has the resources but chooses not to deploy them, cognitive reasoning may be normal, but I would have to imagine that not using money that is available might raise a question on whether that in itself is a good decision.

What’s really bugging me, though, is the potential for a market correction. In the past, this wouldn’t have bothered me, because I was in an asset accumulation phase. I could take advantage of market lows and invest for the long-term. Now, I will be able to use a market correction as an opportunity to rebalance my portfolio, but it’s not the same as putting “new money” — income from working — into the market for the best long-term advantage.

It’s a waiting game. In a few months, I’ll have some more freedom to start new businesses, but I have to manage my expectations. I probably won’t have another business as lucrative as this website was for me. But I have ideas and I’m excited about putting them into action.

Do you force yourself into scarcity mode, or do you allow yourself more freedom? Which do you see as a better approach to long-term wealth building?

Photo: Flickr


Having my own business, and an eventually successful one at that, has changed my life — but it hasn’t changed it much. I was forced into frugality by necessity in 2001, a few years after I graduated from college and was growing deeper into debt. I needed to fix my finances for the sake of my future, so I started spending less than I was earning, got a new job, saved money on rent, used a budget, and entered the most frugal phase of my life.

I got rid of my car, opting for the bus and the train to get to and from work. I relied a little on my roommates for transportation, too. My share of the rent, with three other people in a three bedroom apartment, was about $350. This was my life for about a year. I hadn’t started earning any money from my side business yet, but I was earning enough from my day job that I could move out, live without a roommate, and have a car again.

Since then and over the last decade, I slowly learned to accept the fact that a website I created and community that surrounded it could be a profitable business. Even when I started receiving impressive checks each month, I maintained my attitude that it could all end suddenly. I didn’t count on this income for anything important; it remained in savings, and I based my spending on money earned only from my day job.

Eventually, I felt comfortable enough with the business that Consumerism Commentary had become, and I began focusing more of my time growing that business, and I allowed myself use of its revenue. I didn’t even quit my day job until my own business was earning three times my day job salary. From there, revenue skyrocketed, and while I let the principles of frugality remain inspiring most of my decisions, I gave myself much more latitude.

As a result, I now have a number of expenses that I wouldn’t been able to afford at the low point of my life. I’m still saving a great deal of the money I earn. My goal is to leave my nest egg, boosted by the sale of the business, alone, and base my spending on only new income. That income is not exactly where I want it to be, though. I can avail myself of the income generated by investments, but I’m reinvesting dividends and interest as much as possible.

But of the income I do have, I’m spending more now than ever before in taking care of myself.

1. I pay a cleaning service to clean my apartment every two weeks. I’ve never been a fan of dusting, vacuuming, and cleaning. I guess most people aren’t fans, but left to my own devices, my apartment can get a little cluttered. Hiring a maid service has been great because not only is my apartment presentable to guests almost all of the time, but the knowledge that the maids are arriving gives me motivation to keep the apartment presentable.

The service costs about $150 every two weeks. I could probably save a lot of money if I cancel the arrangement with the national chain and looked for an independent cleaning service. At one point, one of the employees of the cleaning service company seemed to offer to clean the apartment outside of the franchise, on her own, for a lower price, but I didn’t even consider it.

2. I pay a personal trainer on top of my gym membership. I’ve had my gym membership for about two years, and used it actively for the first few months. The winter weather in 2012 resulted in less motivation for getting to the gym, so I stopped. I started again early in 2013, and decided to take advantage of the gym’s personal training options. I’ve been much more motivated to get into shape, and working with a trainer has been much more rewarding than spending my time running on the treadmill.

The gym membership fee is about $20 a month, and in addition to the membership fee, I pay about $30 for a training session. The sessions are supposed to be a half hour but they sometimes go as long as an hour. My goal is to attend personal training sessions three times a week, but it often works out to two due to travel or, recently, roads that haven’t been plowed or de-iced. The training is styled like Crossfit, but I get to avoid some of the more cult-like attributes of a program like that.

3. I get weekly massages. This is one way to treat myself a little bit, but it’s also therapeutic. I started just recently; the personal training I was working with a few months ago suggested it. The massages help my muscles, many of which get a lot of use during the personal training sessions, and at the same time, it keeps me feeling relaxed and is a healthy way to deal with stress, both physical and emotional.

The best option I could find was a nearby location of a massage therapy chain, but the company isn’t as important as the quality of the masseuse. This started as a luxury reserved for every other week, but I liked it so much, I increased my attendance to one week and the length of the sessions from 60 minutes to 90 minutes. The one annoying aspect of the arrangement is the complexity of the membership.

The monthly plan has a maximum of two hours a month, but I’m looking at spending three hours on the massage table every two weeks. As a result, I pay additional fees in addition to the monthly plan. The cost is an average about $40 an hour.

4. I spend a lot of money on photography. I have a pretty strong photography habit. I’m just about done buying equipment, though. I bought a new lens at the end of last year, and I bought a new camera in 2012, but that’s all in terms of expensive equipment.

My current photography expense comes from materials other than equipment. I’m working mostly with film instead of digital, so I need to buy film and photographic paper. Because there are so few people who do this kind of work today and demand for the materials is so low, the prices are high. I could easily spend between $500 and $1,000 a year in film, paper, and other materials related to film photography. It would be nice to start making some money with photography to justify these expenses from a dollar-for-dollar perspective (it’s already justified from a self-fulfillment perspective), but I haven’t put much effort into being a photographer-for-hire, and I don’t see myself doing much of that in the future.

I used to take photography classes, enrolling in the local non-profit organization for about $300 for an eight-week session, but now I have private lessons with an experienced photographer for about $75 a session. The sessions should be an hour each, but they often go as long as two hours. I think it’s a good deal, especially when you consider I have use of the studio, darkroom, and all the chemicals necessary for developing and printing film.

I feel comfortable with these expenses today. I’m in a different spot financially now than I was ten years ago. People often ask how my life has changed since I sold my business. It hasn’t changed much; if anything, my life changed slowly as I began accepting that the money I was earning on the side was safe to touch. I don’t travel extensively, I didn’t buy a nice car or a big house. I still live a pretty understated life, except perhaps for these luxuries.


5 Most Annoying Banking Fees

by Luke Landes
Grabbing money

Fees and surcharges seem to be an unavoidable part of living in a world where banking is big business. If you keep your financial situation simple, diligently shop around, and keep an eye on your money, you can avoid may of the more common fees. In theory, you could increase your fee-avoidance ability by keeping […]

13 comments Read the full article →

Learning to Say No

by Luke Landes
HuffPost Live

Earlier this week, I appeared on HuffPost Live, an online television channel, to talk about saying no to spending. Social situations make it difficult for people to admit among friends that they can’t afford whatever the social activity might be, such as dining out or going to a club. The discussion was couched in fashion. […]

13 comments Read the full article →

For Financial Freedom: Reduce Expenses or Grow Income?

by Luke Landes

The frugal approach to growing wealth focuses on what you spend. The Millionaire Next Door, one of the most popular wealth motivation books, shows how spending wisely is the most important factor in increasing net worth. The book contains anecdote after anecdote about millionaires who live below their means and keep their wealth by maintaining […]

12 comments Read the full article →

Never Rent a Self-Storage Locker: One Million Reasons

by Guest Author

This is a guest article by Christine Bilger from Quizzle/Zing. Have you ever watched “Storage Wars”? It’s a real-life series on A&E which follows professional buyers as they scour repossessed storage units for treasures. The buyers on the show will bid hundreds of dollars for the lockers without even knowing what’s inside. It’s pretty hit-or-miss. […]

7 comments Read the full article →

The Latte Factor: Your Spending Reflects Your Priorities

by Luke Landes
Latte Factor Coffee

The concept of the Latte Factor is one of the most divisive issues in personal finance. Money gurus get so worked up over whether the Latte Factor is a valuable lesson in money management that one might think the issue were as important as war, the national debt, or capital punishment. Most of the time, […]

16 comments Read the full article →

How to Work Out Without Over Working Your Budget

by Guest Author

This is a guest article by Jennifer Calonia, Junior Editor at GoBankingRates. In the article, the author offers suggestions for staying fit without breaking the bank. It’s that time again: Beach season is fast approaching and franchise gym promotions are in full swing to lock you and your checking account into a pricey workout regimen. […]

14 comments Read the full article →
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