What Xbox Live Gold concerns, I pay about 3 euros per month without batting an eyelid. However, the 12 months of membership on the Xbox Live Marketplace are just too expensive (Act. 12 months for 59.99). Because rubles I prefer the code on a prepaid card code-free.
My conclusion: Who can wait 1-2 days is much cheaper to Xbox Live Gold as on the Xbox Live Marketplace or online delivery. Another plus you get a 100% valid original code from Microsoft!