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(realizing that the commitment of actually going and spending money committing me to do more and extra work.)
I consider that everything is a matter of making a mental configuration on the matter ... I do not think that binding to the payment of something should be a motivation to perform some action, and less in this case where we talk about exercising for the welfare of the body and our health.
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I go back and forth on this; some days/weeks just following workout routines from home, do pull-ups on natural places outside (trees, etc).
...and then change my mind and go to the gym 3-4 times in a week (realizing that the commitment of actually going and spending money committing me to do more and extra work.)