Hi-
I have a heart monitor, but I don't use it. I should, but if I'm sweaty, I assume that I'm in my range. One time when I came home my husband asked me if it was raining outside!!! No, just me and a good cardio. Yes, personal training is very expensive. It is like 35 dollars a hour, but if I find a buddy we can split it. I have 2 small kids and I have to pay nursery charges. It is 2.50 per child per hour. Plus, my health club charges like 50 a month fees. I work out a lot (5 days a week between 1-2 hours per time). With childcare, it adds up quick. My husband would freak if it was 100 dollars higher for persoanl training!!! However, my classes-spinning and strength training are free. Are you married or involved with anyone? Do you have kids? Angie