You're right! I can get the kettle-bell and the 25lb dumb bells and medicine balls at a store and use them at home. That would cover the fitness classes that are offered at my gym. The martial arts training is good, but I never took MMA/BJJ before, so I don't much to compare it to...however, I did attend a lot of free trial classes at other gyms and they did not have the schedule that meets my needs. I could pull some of the other places off, but it would be tough and I always thought that the training should fit INTO my daily life with my family, etc, not the other way around. Which is why I chose the current gym.
Kaygee
You could buy the Kettle bells, the weights, dumb bells and medicine balls and use them at home but does this actually make sense? From the sounds of it these are peripherals or bonuses to going to this school/gym whatever. If you factor in the cost of buying all of these, storing them at home, taking up a workout space at home and actually setting aside the time to do it (away from the wife and kids) all to save an extra $10.00 a month? Especially when your wife needs her hair done, or a playroom for the kids, or a craft room, storage room etc. etc. I'll bet you will never get them and if you did your use of them would diminish. In fact if you didn't buy these things you would probably paying at least the $10.00 a month price bump for a full year if not more.
What you are actually paying here for is the instruction in an art that you enjoy, that fits your needs, your schedule, etc. etc. As an added bonus you get a better workout because of the weights, the kettle bells, medicine balls etc. etc. which ups the value of the service you are paying for. The other schools don't quite meet your needs, they are more of a hassle to get to etc. etc. so the chance of you using the classes to the fullest and enjoying them (less stress of getting there, meeting your schedule etc.) is actually worth the extra money.
The problem is how to get the extra money so that it doesn't stress the family or put them in harms way. If $10.00 a month is a true breaking point for the family then I would really consider finding a cheaper place or drop out and get the finances in the house better and then get back in. However I take it that the $10.00 per month will be a strain and what you are actually asking is this a good deal (even at $130.00 a month) and you feel slighted (in a sense) that the rates went up right after you joined.
The instruction at $120.00 a month was a stretch to your budget, but you enjoyed it enough to commit to the classes and felt comfortable about staying and paying that amount, I honestly don't see how an extra $10.00 a month would make me quit a gym that I enjoy. I know that someone posted that the amount at his gym never goes up once they joined and all, and that is great, however it doesn't apply to your situation so don't let that color your judgement. No matter what anyone else pays they all are in different circumstances, different facilities, with different instructors, different arts. I believe DancingAlone has the best post on this because he is putting it in the proper perspective.
He pays $180.00 a month for the school he is going to; he pays willingly because it is meeting his needs, he is paying for ACCESS to the type of instruction he desires, the work out he wants etc. ect. Now from your post $180.00 a month is way out of your price range I understand that. He feels he is getting a good deal for the instruction he is getting even if he isn't using it to it's fullest potential, he is still satisfied. What you need to decide is if you feel that you are getting $130.00 a month worth of benifit for the instruction, access to the gym weights etc. etc.
The next thing is can you afford it? If the money is that big of a problem then you have to ask how do I get it or make up the difference to afford it? Again I believe if you really see value in what the gym offers then you'll find a way to get it; work a second job a few hours a week, job out your skills to someone or your labor again for a few hours a month or a week, brown bag it, cut out pizza night for the family, etc. etc. Or you could go and talk with the instructor and explain your circumstances and ask to stay at the current rate for a few months. I know you have only known him a short time and it makes you feel uncomfortable, but again how much do you really want to learn from him. Is it enough to step out of your comfort zone and talk with the guy?
A word of caution here, don't drive up in a BMW, with the latest iphone, and a tablet in your gym bag and tell me you can't afford the $10.00 extra dollars a month. That puts a price of the value you place on my instruction, and what you are telling me is that you don't think my instruction is worth X amount, when I have deemed it is and frankly I'd tell you to hit the road. But if the need is real and you really can't come up with an $10.00 a month and I'm going to lose you as a student, than what you coming to me and explaining things is telling me "Hey this guy swallowed his pride and came to talk with me, he values my instruction enough that he has stretched enough to take classes from me, but my price increases tips over his families' well being can I help him or do I lose him?". I'm not going to hold a grudge against you or think down about you, or even treat you any differently except with perhaps a bit more respect.
The instructor might be some bad *** on the mat, but he is still human just like everyone else, he still is a business man, he should have a real enjoyment being in the martial arts and he should recognize this in others who have a desire to learn from him. All of this to say I believe he won't hold it against you. It is still a simple business decision on his part; can I cut him (you) some slack, or can I afford to lose him? Be prepared to walk away if he can't help you and you can't make up the difference each month. And what happens after that could be the start of a new thread.