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Fitness on a Budget

As is tradition at the start of a new year, many people will be flocking to the gym to begin their resolutions to get in shape. Several challenges await these eager fitness newbies. The first is overcoming the odds and sticking with their resolutions to achieve their goals. Another is how to get physically fit while on a tight budget. Consumers on a budget already have their hands full trying to cover everyday expenses and manage credit card debt. Gym memberships, equipment, classes, and healthy foods can all rack up a significant bill. So how can you save money and stay fit on a budget?

If you're in debt management, try these budget fitness tips.

If you’re in debt management, try these budget fitness tips.

Get a Physical Exam

It’s important to get a baseline of your physical condition, and also to evaluate your health before engaging in any physical activities. Be sure to consult with your physician before committing to any fitness routine or health regimen. You may have a condition that will prevent you from certain activities or diets. While your intentions are good, you can do yourself serious harm if you are unaware of your current bill of health.

Free Exercise Routines

You can save money on gym memberships and trainers by seeking out free resources. That will definitely help you stick to your budget! You can find instructional diagrams and videos on sites like Pinterest and YouTube. You can also do some research on health/fitness websites and forums.

Insurance Reimbursement or Discounts for Health and Fitness Memberships

Check with your employer or insurance carrier for information on reimbursements or discounts for health and fitness related expenses. They may cover some of the costs of your gym membership, therapy, or dietary program.

Inexpensive Physical Activities

You may not necessarily need to join a fancy gym or purchase expensive exercise equipment. All you need is a decent pair of sneakers to start walking or running to stay in shape. Looking for something more? You could get yourself a bike or roller blades for a little more action. Several sports also require little equipment. Try basketball or soccer.

Inexpensive Exercise Equipment

If sports aren’t your thing, You can find yourself some inexpensive equipment to help you expand your individual workouts. Exercise balls, jump rope, free weights, and resistance bands are all inexpensive items that can help you take your workout to the next level. Search online for deals, and try sites like Amazon, Ebay, and Craiglsist for used items. When you’re trying to save money and manage credit card debt, it’s good to find savings where you can.

Millions of people make New Year’s resolutions based on fitness. Only a fraction of those people will stick to their resolution and reach their goal. The tips above are meant to help to save money and get in shape this year, but it’s up to you to stick it out and achieve your goals. Happy New Year and good luck!

If you’re struggling to pay off debt, ACCC can help. Schedule a free credit counseling session with us today. 


Andi is a Marketing Assistant at ACCC. He is passionate about supporting financial literacy efforts and helping to educate people on the Talking Cents blog!

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