New York ? Membership programs can offer a variety of benefits, from personal enjoyment to discounts on merchandise. But sometimes the cost of joining a club can overshadow the financial benefits.

Real Simple magazine has put together a list of major types of clubs, along with some benefits of joining.

If you’re a car owner and don’t already have adequate emergency roadside assistance through your insurance, joining an auto club is a necessity.

The American Automobile Assn. offers free roadside assistance, as well as free maps and travel planning. Fees vary by region, but a single membership ranges from $38 to $77, plus enrollment fee. You can find more information at www. AAA.com.

While buying items in bulk might not be the best option for people living in small spaces, it does dramatically cut the cost of household items.

If you have the space and are looking for a bargain on large supplies of just about everything – groceries, underwear, tires, electronics and more – joining a wholesale club such as BJ’s Wholesale Club, Costco or Sam’s Club might be right for you. Membership fees range from $35 to $45 a year.

And even if your small living space won’t accommodate a 30-pack of toilet paper, these warehouse clubs offer other discounts on items such as prescriptions, car and home insurance, phone service and gas.