I’ll be going for a walk in a few minutes this morning.  One of the things I decided long ago was to give up a club membership to save money.  Walking and weight training at home don’t cost a thing and we have saved about $4000.00 since I quit going.  I was missing the hot tub after the workout every day, so we took our savings and waited until we could make a special deal on the hot tub we wanted, and it is now sitting outside right next to our patio.   Saving money for special purchases often makes you wait a while before you get something you want, but it also gives you lots of time to select the right product, and keeps you from making impulsive purchases.  As I said a couple months ago, you may regret certain purchases you have made over the years, but you will never regret saving money