We've all been there. It's the start of a new year and everyone wants to rid themselves of those extra holiday pounds they've put on after one too many helpings of turkey... and mince tarts... and yule log cake. But before you put down a hefty gym deposit think about when you'll go to the gym and how you'll go about your new fitness program. Simply buying a gym membership won't improve your heart rate and it is an extra fee in your monthly pileup of bills that could be avoided. Will it really work for you or would an after-work yoga class or power walk fit your schedule better? Think before you spend.