I tend to purchase the 24 credits at one time and the price per book is under $10.00 I have no problem with using up my credits. When I get down to 1 credit they will offer three credits at a sale price that is under $10/book. I went through a few of those this year. 
Does it encourage me to read more? Let's just say that I now have an excel spread sheet to track new book releases. I have a large number of series that I read/listen to.
If you are a member they have lots of different sales (buy two with one credit, reduced price sales, daily book, etc.) and they have a few that are free every month. They used only let you take two of the free books a month but know you can select as many from that month's group as you want.
You can download the audible app to your devices. I tend to take my phone with me when I walk and I listen to an audiobook as I walk.
My local library also has Libby for eBooks and Audiobooks. I have the app on my phone and sometime listen to library books when I am walking, working around the house and so on.
If you are concerned about the cost, see if your library offers audio books for download (or streaming on a device) to see how much you like audiobooks. If it works for you then you can add audible to your interests.
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