End of last year, I joined a gym. As time goes by, I felt like it was a waste. At first, I was thinking that, if I pay something, OF COURSE I will utilize my money. After two months, I realized that I'm wrong instead. I end up using some money that I reserved for emergencies. I don't have time to spend at the gym. I need to be at home by dark. If not, it will be dangerous especially when lately there are robberies happening at my housing area. But if I terminate my contract I need to pay penalty.