This is a huge problem and is partly based on human nature. People begin with good intentions but often stop exercising. If they signed up for a six-month or one-year contract, they're stuck paying for all the unused months. A solution is to go on a month-to-month or trial membership for a while before committing to a longer contract. If you're a regular exerciser and have belonged to gyms before, the unused dilemma might not be an issue. But, for people who are new to working out on a regular basis, it's important to avoid making a long-term financial commitment.