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The ranking that Bankrate.com gave unused gym memberships when it comes to the top 10 money drains on an individual's budget. Costhelper.com reported that monthly service fees at gyms average between $35 and $40. At $40 per month, an unused gym membership runs $480 per year. Coffee, cigarettes and alcohol were listed as the top three money drains, according to Bankrate.com.

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