To determine the minimum number of months Ashley must be a member for the annual membership to be less than the cost of paying month-to-month, we will set up an inequality.
Let \( m \) be the number of months Ashley is a member. The cost of the month-to-month membership is:
\[ 140m \]
The cost of the annual membership is:
\[ 1295 \]
We want to find the smallest integer \( m \) such that:
\[ 1295 < 140m \]
To solve for \( m \), we first divide both sides by 140:
\[ \frac{1295}{140} < m \]
Calculating the left side:
\[ \frac{1295}{140} \approx 9.21428571428571 \]
Since \( m \) must be an integer, we need to round up to the next whole number:
\[ m \geq 10 \]
Thus, the minimum number of months Ashley needs to be a member for the annual membership to be less expensive than the month-to-month payments is:
\[ \boxed{10} \]