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Working out regularly at a health club is a popular New Year's Resolution. But, at any time of year, working out is an effective way to earn a sense of well being and to become physically fit. Here are some tips to select one that's right for you.

Locate the contenders
Develop a list of clubs within your target area. Check out the yellow pages. Although finding the club that's closest to where you work or live simplifies getting there, it might not be the best place for you.

Make a wish list
Consider your must-haves and preferences. Personal training? Aerobics and other classes? Lots of free-weights and circuit machines? A swimming pool and steam room? Friendly staff? Childcare? Visit several clubs to determine which ones have what you want.

Try it before you buy it
Get a tour and a free day pass for each facility. Do you like the equipment, the amenities (if any), the clientele and the "feel" of the place? Are you comfortable here? Can you honestly visualize this as a "home away from home," a great place for you to do your exercise?

Fiscally fit
Be sure to stay within your budget, no matter what incentives (if any) you're offered. In general, avoid steep initiation fees, long-term contracts or hefty prepayment of membership dues. Some clubs charge a one-time initiation fee and a minimum of three months dues upfront. Some insist that your monthly dues are debited directly from your credit card or checking account - if so, make sure there's no hassle canceling out if you want to end membership. And some let you pay as you go - on a month to month basis. You may want to lose weight - but not because your wallet is lighter. See you at the club!