TEXAS — The New Year is coming up, you've spent all holiday shoving food down your throat, and now you're ready to plan your road to summer body 2020. But is signing up for that gym membership now the right money move?

We go to our experts, the owners of the Art of Finance in Austin, Philip and Julia Lorenz Olson.

When it comes to gym memberships, many people think they’ll use it since they’re paying for it. The Olsens warn that this is fooling yourself into thinking you will start and maintain an exercise program.

Here are some smart money moves people can use to reach their fitness goals:

1. Money won't motivate you to exercise. Studies show that financial pre-commitment doesn't make people more likely to use a fitness subscription or equipment.

2. Month-to-month fitness subscriptions can feel more flexible, but thanks to auto-renewal, you will likely end up paying more because we forget to unsubscribe (and it makes us feel like a failure). If you've been working out three times a week for a long time, subscription programs can be an amazing deal. 95 percent of inactive gym members bring down the cost for the 5 percent who really use it.

3. When making a resolution to get in shape, start small and simple. The dusty bike in your garage or a pair of running shoes is a great way to ease into fitness, and you're just as likely to succeed as you would be putting down big bucks for a fancy machine or annual gym membership.

You can get more good financial advice from these two from their PBS web series Two Cents on YouTube. Or you can ask them yourself by becoming a client at The Art of Finance.