How to get a gym membership for less in 2016

If you want to get fit in 2016, you don't have to break the bank to break a sweat.

Just like buying a car, the first rule is to always negotiate.

"Always assume you can get a better deal. You can do that by asking the right questions and visiting at the right times.

January is a great time for promotions. Wait until the end of the month when sales teams may be more eager to make a deal. Consider bringing friends and asking for a group discount.

Number two, consider what kind of membership you really need. Some gyms let you pay less for more limited access and fewer perks.

Be sure to ask your gym for a cheaper plan since it may not be advertised.

Number three, see if your boss is willing to share the cost. About half of large U.S. firms have wellness programs and many of those include discounts on gym memberships or the ability to access on site workout facilities.

Check your health insurance policy for gym benefits. Some Blue Cross Blue Shield members can pay as little as $25 per month at fitness chains around the country.

And finally, if you don't know how often you'll be able to work out or if you're the kind of earn who likes to mix it up with different kinds of workouts, consider a pay-as-you-go membership.

With these deals you can sign up at more than one type of gym and only pay when you use a facility.