Cancel the gym membership since you aren't using it. Have you thought about the ymca? It's cheaper and the child watch is included in the price.
Do you have netflix? You can get instant streaming workout videos. And workout dvds are cheap at places like ross and such. I like the yoga booty ballet one, zumba is really popular now too. Get some ankle and handweights (or use large soup cans) and do some at home workouts. Lifting weights and cardio actually help you burn more calories, so not only are you losing weight, but you are toning your body, which is probably what you mostly want, so be sure to get into weights!
Oh, and women's health magazine has TONS of awesome free at home workout tips and healthy snacking/eating guides. I don't even buy the magazine, I just read it online for free, so check there often:
http://www.womenshealthmag.com
Buy less junk food, cut out sodas and stuff like that and get more healthy snacks, your grocery bill will be cheaper without the junk so you can afford more healthy and fresh produce and such. Eat smaller meals, more frequently so you aren't always wanting to snack. 5-6 small meals a day are much healthier. Some healthy snacks I like: avocado with a hint of salt, hard boiled eggs with a hint of salt and pepper, celery or apples with peanut butter, fruits, raw veggies,trail mix (I make my own, usually I get peanuts, almonds, cashews, dark chocolate chips and dried cranberries or blueberries), string cheese, hummus on wheat crackers, blueberries are superfoods so eat those, eat salads, but stay away form ice berg lettuce, it's just water.. eat romain, spinach, top with mandarin oranges or craisins, sliced almonds, tomatoes, cucumbers and onions and drizzle a bit of light vinigrette on top. Drink lots and lots of ice water, all day, at least 8 cups!
There are lots of healthy substitutes you can use too, like plain yogurt instead of sour cream, applesauce instead of oil in baking or a banana and half the sugar in baking. Stay away form cooking soups like crem of mushroom and that, you can make your own instead that is easier, tastier and not as bad for you. Stay away from processed foods as much as possible and cook fresh when you can. Eat ground turkey instead of beef, salmon instead of steak, reduce the amount of condiments and butter that you use. Snack on lightly salted pretzels instead of cheetohs. Eat healthier cereals instead of sugar ones. Make your own oatmeal and flavor it with honey, a bit of plain yogurt and lots of fresh fruit (strawberries, blueberries, blackberries, peaches) instead of using high sugar and no nutrient reich instant flavored oatmeal. Make fruit smoothies, add in spinach or carrots for some extra health.
Anyways, those are a few tips that help us!