The simplest way is... whatever gym you join, how ever much money you pay (of coz u must be able to afford la), just honour ur 12 months or 24 months contract.

They give you a contract to look through and if you don't look through it, then that's your own problem.

Joining a gym is to upkeep your own fitness. If you are planning to quit, why join in the first place.

About the TF, you can transfer your membership. So, you can still sell your membership to other ppl.