3. Don’t Get a Monthly Gym Membership

It’s a terrific New Year’s resolution, but you’ll pay more per visit if you pay monthly, researchers at the University of California at Berkeley and Stanford University concluded after an extensive study. The average member with a monthly membership paid $17 per visit. That’s slightly more than people with an annual contract paid per visit in their first year (people who hung in there for a second year saw their per-visit costs drop significantly), and considerably less than the $10 per visit paid by the average gym-goer in the study who paid by the visit. Plus, people with monthly memberships spend an average of $185 between their last visit and when they get around to canceling those memberships.
4. Get Big-Box Generics

According to data from Atlantic Information Services, the average co-payment for a “first tier” — the cheapest category — of prescription drug is $10.28. Medical price information website ClearHealthCosts.com has a breakdown of how much several national discount retailers charge for generic drugs. Most let you get from one to three months’ supply of your medicine if it’s one of the qualifying drugs on a pre-set list. Most retailers on the site have between 100 and 400 generics on their list, and costs start as low as $4 (Walmart, Target) or $5 (Kmart). National drug store chains CVS, Rite-Aid and Walgreens have prices in the $9 to $20 range depending on the medication or amount.













