The easiest way to do this is to add the start up fee to the monthly fee for both clubs until you reach the same number. For example, Club A would be 44+30= 74. 74+30=104. 104+30=134. 134+30=164. 164+30=194. 194+30=224. Club B would be 99+25=124. 124+25=149. 149+25=174. 174+25=199. 199+25=224. So the sixth month is when both clubs would cost the same.