Slightly off-topic, but a home gym pays back in no-time (if you only use weights and some simple equipment like a bench and a pullup rack, that is).
Depending on what you pay for a gym membership of course, I think I started saving money after 1,5 to 2 years (cheap gym membership compared to relatively cheap equipment at home).
I just started doing personal training, which is terribly expensive but it's one of the only things that motivates me to go. The other thing that helps is being around other people who are exercising, and in a brightly-lit space.
Finally, I wanted to share that doing personal training, we spend 70% of the time doing calisthenic-type exercises that require basically no equipment at all. So if someone has the motivation, do your squats, stair-steps, stretches, running, and maybe all you need to buy is a set or 2 of free weights (by "set" I mean literally two weights of specific values, not a set of all possible weights). Other cheap and small accessories are rubber bands that go around your legs, a mat so you can crawl on the floor and not get dirty, plastic frisbee-like plates so you can do leg stretches on the carpet. I know this is all "no shit" type information for people who work out a lot, I just want to share that for someone who wants to exercise for cheap, you do NOT need a towering multi-gym set to get started. There's TONS of exercises you can do right now if you just have the motivation.
A gym membership is a complete road block for me. I get distracted by women and that kind of thing. And I don't want to wait for available equipment. Besides I want to make the noises without people looking at me, or me thinking people look at me.
Good luck with the personal training!
Caveat, I parked my bench inside my pullup rack (don't have to move it before training though).