Sometimes our own good intentions and the desire to save money can get in the way of smart spending. We all want to be healthier and spend less money at times, so a gym pass is an item that many of us have bought at one time or another. I don’t know about you, but going to the gym all the time is tough for me. I go in spurts – lots one month and barely at all the next. However, with a year-long pass I’m still required to pay – even when I’m being lazy, sick or out of town. If you are a regular gym-goer, this might not apply to you, but as a well-intentioned-workout-skipper, this change of thinking has actually saved me money. Instead of getting another gym pass when my recent one expired, I started paying for each session individually. Instead of being on the hook for $45/month, I pay $7.50/session. That means, I would need to go to the gym six times/month to pay off my previous membership. But if I go only five times (pretty realistic) I actually save money over the year-long pass. Additionally, I’m able to