Where to study anatomy in real life?

[ssiddiqi]

One of the first and foremost pieces of advice I get from others on approving anatomy is to draw from real life. However I can't afford to attend a figure drawing class at this time to do it from real life. I already know about sites like line-of-action.com but I feel like I'm missing something by not doing it in person. Where can I go? Especially in winter time when everyone is in doors?