Be a savvy shopper

If you're interested in a specific exercise class or piece of equipment, shop around to find the best deal.

• Check out your local recreation department. Many recreation departments offer discounted fitness classes to local residents. If you live near a high school or college with a fitness center, ask if the facility is available to community members.
• Buy used equipment. Some sporting goods stores specialize in used equipment — or you can check out listings for exercise equipment in the local newspaper. You may also find great deals on used exercise equipment online. Just make sure the cost of shipping won't put the item out of your budget.
• Share costs with a friend. Trade exercise DVDs or online exercise video ideas with a friend so that neither of you gets bored doing the same workout over and over again. Find a personal trainer who'll let you share the cost of a session with a friend or two.

Remember, getting in shape doesn't need to be expensive. Don't get caught up in memberships or purchases you can't afford. Instead, focus on your fitness goals and how to achieve them without breaking your budget.