I joined Total Fitness, a block from my house. I drive over there, tee hee. My insurance pays $20/mth if I make it over there 12 times during the month. I pay $10. Love the tread mill, some times I use the equipment. Check with your insurance company and see if they pay for part of a gym. That way you aren't payin out all those big bucks for a machine you might not use. But the home treadmills are great for hanging ironing on.