First off I have no clothes you’d ever wear to a gym. I wear jeans and a t shirt pretty much daily (think Hank Hill). Second, I don’t get what you do there. I hated gym time in school (workout gym, not like throwing balls and running around gym, thats fun) and I don’t get what you do. Run on a treadmill and lift some weights? I feel like I could do all of that at home. Gym memberships are insanely expensive. Are home workouts actually effective? Does one even enjoy gym time?
Nah. Just silly short sighted thinking.
Are you only going to exercise for a year or two? Yes? OK, well THEN you might have a point about gyms being cheaper…
but even a full set of weights and some minimal equipment is maaaaybe 5 years of gym memberships, for the cheap gyms.
Are you going to work out for less than five years of your life? If you answer “no”, even financing some weights might be worth considering.
Sure, if “financing” didn’t involve interest