Good but AFFORDABLE HRM

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Hey all! So I have been consistent with working out but I feel like I'm not getting the burn that I used to get with my workouts. I don't know if it's because I've lost some weight and my endurance is up or if it's something else. So I'm looking to get a HRM. However, I don't have a lot of cash - school loans, etc. Any recommendations? Thanks in advance!

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