Frugality in Practice: Home-Based Physical Fitness
Published on - February 21st, 2008 (by J.D. Roth) Lately, I’ve been making rumblings about getting in shape again. I want to get fit slowly. The trick is figuring out how to do it. It took a lot of reading and a lot of trial and error to take control of my finances, but I’ve finally achieved a healthy attitude toward money. Now I hope to do the same with physical fitness. But where to start?
One approach would be to just throw money at the problem. I’ve been looking at fitness clubs, for example; they offer great exercise equipment and motivational classes all in one facility. But they cost more than a frugal fellow like me wants to pay. (Yes, I’ve looked into the YMCA and local community centers — there’s nothing nearby.)
I’ve also been fighting the urge to purchase a new bicycle. The Redline 925 makes me drool, but do I really want to spend $800 on bike? What’s wrong with the bike I already own?
I was heading for a major expenditure if I didn’t formulate a plan, so I sat down and made a list of the free or low-cost fitness alternatives at my disposal. I was surprised to discover how much exercise equipment I already own:
- We purchased a NordicTrack ski machine over ten years ago. It has received very little use during its lifetime.
- I have a bare-bones weight set that I’m storing for a friend.
- Last fall, some neighbors down the street were giving away exercise equipment they no longer used. They gave me a stationary cycle and a “health-rider”, both of which I dragged up the hill to our house. They’ve sat unused in storage ever since.
- While working with my wellness coach last spring, I was fitted for (and purchased) a good pair of running shoes.
- I own two bicycles. The first is a 1997 Bianchi Volpe touring bike that I purchased ten years ago. I rode it for a couple thousand miles during 1998-1999, but since then it’s been neglected. I’ve also fixed up an old mountain bike that my cousin gave me to use as a “commuter” of sorts. I use it to run errands.
- We have a variety of sports equipment: several soccer balls, baseball gloves, golf clubs, racquetball stuff, a frisbee, and a jump-rope.
- We own Dance Dance Revolution for the Wii.
- I have a good pair of hiking boots and miles of great trails all around.
When I look at the list of fitness equipment I already have, it seems ludicrous to pay money to join a gym. I already have a gym. Sure, I don’t have a treadmill or an elliptical machine or a fancy weight set, but I have plenty to get me started. I’ve already paid for this equipment — I might as well get some use from it!
It also seems crazy to purchase a new bike. I have two bikes! What would I do with a third that I cannot do already? Instead, I pulled my touring bike out of storage. It was in sad shape, so I paid the local bike shop a couple hundred dollars to give it an overhaul. Spending this money hurt, but if it’s enough to get me back on the road to physical fitness, it’s well worth the cost. Good health pays dividends in the long run.
And you know what? It’s fantastic to be back on the road. Over the past week, I’ve put in about 40 miles. That’s not a lot, but it’s a start. It’s like saving your first $40 in an emergency fund. You save a little at a time, and eventually you have $2,000 set aside. By the end of the summer, I hope to have biked 2,000 miles. (Or more!)

I look like the biggest dork in the world. But I’m on my bike!
For more on this subject:
- Frugal for Life: Exercise free or gym membership?
- The Simple Dollar: Investing in yourself through exercise
- Consumerism Commentary: 10 things your gym won’t tell you
Oh yeah — I’ve signed up at We Endure, a social training log that lets you track your progress in a variety of endurance sports (such as cycling, running, and swimming). Here’s my profile. I’ve also created a Get Fit Slowly group that you’re welcome to join (even if you don’t read Get Fit Slowly). The more the merrier!
This article is about Choices, Frugality, Health & Fitness, Real-Life
SEARCH FOR RECENT ARTICLES




I’m pretty luckly in that our new apartment building has a workout room just down the hall with many machines. I just started an exercise program using several of the weight machines and some free weights and my boyfriend is coaching me. I take paper and pen and write the weight and reps I did, then I track in a graph in Excel.
loading....
JD-
I also invested in one-on-one lessons from a personal trainer; expensive but far worth the price. As they say, price is what you pay, value is what you get. I meet with a trainer once a week and the cost is $35 each visit. With my monthly membership fee and the weekly lessons, I spend around $200 per month in health and fitness costs. I would highly reccomend a trainer as not only will you get in shape but you will gain extensive knowledge on your anatomy, dieting, and medical health. $35 is cheap for all the information I recieve. $35 barely fills up my gas tank, I think I can easily invest the same amount of money im giving to Exxon, into myself. Im worth more than Exxon, and JD you are too.
I too had equipment laying around that I could use. But I lack the discipline to work out at home. I decided on a gym membership and signed a contract so that I would “force” myself go and not let the money go to waste. I have found this to be a great disciplinary act, as I am sure I would easily push working out to the side if I didn’t have to leave my house to get it done. By having a membership I have accountability to comit to my goals of getting ripped.
loading....
I’m a member of the local Y (since november), and love it, but also have some weights at home that I use on the weekends (they’re 3 years and 30lbs, and 5 years and 48lbs respectively…).
I own a bike, but the chain falls off because the gearing is wonky, despite several trips to a local repair shop… but my roller blades and ice skates are in good condition, and I’ve recently become enamoured of Running, and signed up for 2 – 10K races (March/May) My roller blades, and Rugby keep me active in the summer, and ice skates and belly dance in the winter..
.. except that I’m actually gaining weight?! So, I joined “Sparkspeople”‘s website – which tracks both excercise and calories eaten… and WOW I eat a lot!
If you decide you want more than just an excercise tracker, check it out, it’s pretty awesome.
loading....
Way to go J.D.! It an be so tempting to pay for a membership simply for motivation, and let the equipment (not to mention free situps/pushups, etc.) sit at home unused. There are better ways to motivate yourself than paying a bunch now… looking at the savings and realizing what an investment good health is sure help.
loading....
I have been well-pleased with my elliptical machine. It is good on the joints and I don’t have to be concerned about the weather.
Best Wishes,
D4L
loading....
I knew a guy who was one of the most fit people I’d ever seen, and I asked him what he did. I assumed he had some massive gym membership, but no. All he did was running, pullups, situps, and pushups. He told me that working against your own body weight is all you really need to do. (He was ex-Red Army so he was used to making do with less ^_^)
$20 pullup bar from Amazon – best $20 I ever spent.
loading....
Just so’s you don’t feel badly about it…the YMCA around here is pretty expensive–a couple hundred annual membership fee, an initiation fee, and then something around $50 or more a month. I actually belonged for a while, but it became a first-cut item when I decided to try to get back onto a reasonable budget. You’re better doing it your way. (Me, I’ve become a major multi-tasking walker, putting in close to 20 miles a week and running errands as I go. Lugging groceries back up the hill to my house adds weight training to my cardio-enhancing walking!)
loading....
I recently decided to make regular exercise a part of my life. I had a gym membership (I split a family membership [$90/mo] at the YMCA with my sister), but I gave it up to cut back on spending. Ironically this has turned out to be a wonderful decision. I took up running, which costs me nothing but a pair of shoes, and I do it much more frequently than I ever used the gym because I don’t have to get in the car and drive somewhere to do it. I just step out my door and go!
loading....
Great post – I have to say though, there is ONE distinct advantage that may make a gym membership worth every single penny.
I’m a single/stay at home/work at home/homeschooling Mom of 4 (read: busy and with constant contact with little people) and find it excrutiatingly hard to find time/space to exercise.
If I put in my Pilates dvd, my 2 y.o. thinks it’s time to jump on my head. And my 9 and 7 year old boys mimic me and make me laugh – and try holding your core when that happens!
If I go for a walk, the kids bicker about who gets to stand next to me (they’re SO starved for attention y’know!) which defeats the entire stress releasing phenomenon of exercise.
Many gyms offer FREE KID CARE. I joined a gym (got a great deal – $300 for 3 years, they were brand new and needed members) in the town I used to live in and would go work out FIVE days a week just to enjoy a BREAK for 45 minutes a pop – PLUS I got to SHOWER without peeping Toms, screamers and peek-a-boo with the shower curtain players!
That, my friend, is worth all the money in the world. Sadly, I moved to the other side of town and there is no gym that offers that for the price.
And you’re handsomer than I had imagined.
loading....
I think it’s important to remember a couple things in regards to this topic:
1) Fitness in general is a GREAT long term investment
2) The best investment you can make towards your own fitness is whatever will work for you personally (even if the upfront cost is higher than what works best for your wife or best friend).
I tried for a few months to lose some weight by running and controlling my portions. While I did have a bit of success (losing seven pounds over a couple of months) I found that many days I’d come home and talk myself into taking care of menial task A before running, and ultimately not go. Why? Because I hated running.
Around Christmas I finally ‘broke the bank’ and signed up for a gym membership. It cost over $100 upfront, and runs me another $18 a month. It’s also a whole lot cheaper in the long run FOR ME than the free running, because I actually go do it. As a result, I’ve lost over 20lbs since Christmas and will soon be able to focus more on building muscle.
Overall, I’d say the best investment I’ve made in my own fitness so far has been a small gym bag I got as a Christmas gift and didn’t even have to buy myself. All it does is carry gym shoes and workout clothes, but because I can go straight to the gym on my way home from work it’s become just part of my routine in a ‘when your mind blanks out your feet carry you there anyway’ kind of way. With no chance to talk myself into watching a Friends rerun or starting the laundry before hitting the gym, it just happens.
The bottom line is that for fitness to be sustainable long term, it HAS to be that kind of habitual lifestyle shift. As far as I can tell, that means you simply have to find a form of excersise you can ENJOY doing and will stick with, regardless of the initial cost.
loading....
@Jarick
I think you really hit on something. My exercise capacity is completely different when exercising alone vs. playing a sport with friends. The drive to not only win but also avoid looking bad is powerful.
J.D., see if your city or a nearby city has recreational team sports leagues.
You haven’t lived until you have played co-ed city-league kickball.
loading....
I second Stephen’s (#40) crossfit suggestion. Their site’s full of good info.
One of my favorite fitness resources is Ross Enamait’s site, http://www.rosstraining.com He offers tons of great information as well. I recommend it highly. Loads of great articles & vid clips, and a great discussion forum.
Quoted from his site:
“Founded by Ross Enamait, RossTraining.com is dedicated to excellence and innovations in high performance conditioning and functional strength training. As you browse through the site, you will find routines and programs designed to develop athletes who are always ready for whatever life or competition may throw at them.
RossTraining.com will simplify the often confusing and complex world of physical fitness. My system emphasizes low-tech/high-effect methods. You do not need fancy equipment or a luxury gym to achieve elite physical fitness.”
loading....
I need to get a bike to get to work, I only live 15 minutes by car- But I really like my scooter…decisions, decisions
Thanks for the linkage JD
loading....
HEALTHRIDER!! HAHA!!
We’ve had one in our basement that we inherited from my inlaws. I wrote it off as some weirdo infomercial fad.
After some frustration getting good upper back workout with my free-weights, I tried the ridiculous looking HR. It works. It’s great for upper back pain that I get from slouching in front of a computer all day and it’s a great leg and glute workout too.
It’s really a rowing machine.
Also, I have some workout equipment in easy-to-guilt places.
We put our recumbent stationary bike in the living room facing the tv.
Also, I put a pair of dumbells on my dresser, so I am forced to have them nagging me to pick them up — even for one quick set.
Good luck JD.
loading....
Now, I am going to be the one person on the entire page to disagree I think
Belong to a health club is one of the things that I don’t mind paying for, and for a lot of reasons.
1) It puts me in a routine – if I am lifting at home (I do have weights) it is easier for me to break routine or get distracted
2) I live in colorado – I can’t use the city raquetball courts in the winter (and I love playing)
3) There is a pool – I used to enjoy triathalons, I haven’t been as involved lately, but having a lap pool is nice
4) Hot tub – Personal preference, but its great for soaking if I am really sore.
5) Friendship – Though I do not socialize too much at the gym, I have made friends there, and they are usually motivational friends. When I need a kick in the butt, they are around to help.
Anyway just a personal opinion
loading....
Prior to beginning to commute by bike a few years ago I burned calories by jumping rope. I’ll still break it out on days I need to burn off a little more energy. Jumping rope for 5 minutes, for me, burns as many calories as riding one mile.
Cheap equipment that is easy to take on the road.
loading....
I happen to be a person that doesn’t like gyms, it’s just not for me. I’m 29 and I consider myself in considerably better shape then when I was 18 and I’ve been slacking lately too.
Just like you discovered when you pulled your bike out again the most important thing about working out/exercise is to have fun! You’re more likely to keep doing something if you can get some adrenaline flowing.
If you want something else to read that should give a ton of different exercises and ideas check out Men’s Health. I have a subscription and I consider it well worth it.
loading....
Good for you for taking the plunge to get your health in order. It seems that one leads to the other. Once you get one major area in your life organized (money) you want to move on to another (health). That’s great and you didn’t look like that much of a dork. I like to ride, too, so your picture gave me a good chuckle. I used to belong to a gym because our insurance gave us a small break for have a membership and meeting the monthly attendance requirements however, I found I could get just as good a workout at home and that’s what I did. I save gym fees and I feel good about taking charge of my fitness.
Kudos, bruthuh!!
Jerry
http://www.leads4insurance.com
loading....
I’m a full-time student. Wanna know what contributed the most to my $1000 debt? (It’s now paid off, btw, but I had to work a PT job from hell in order to do that.)
Well, I decided it would be a great idea to get in shape…by hiring a PERSONAL TRAINER and paying with my credit card. I didn’t really consider how I would pay for it…just knew eventually, I should make enough money to cover that. I thought…hey, what a good cause for the rest of my life!
However, that was a failed plan. I didn’t get into significantly better shape and didn’t keep it up. I spent over $600 for maybe 2 months’ worth of working out twice a week.
Over the past year, however, I ran occasionally with my boyfriend. He inspired me to run more and throughout 2008, I’ve been running regularly, at least a few times a week. It doesn’t cost me ANYTHING and the progress has been AMAZING! I’ve lost about 10 pounds in 2 months and feel so much better about myself. Plus, it’s fun to track how far and fast I run. Today I ran the furthest yet, 4.9 miles without stopping.
So really, I think the key to success is MOTIVATION. Don’t invest in ANYTHING that you’re not motivated enough to keep up.
loading....
This is exactly what I’m talking about in Dumb Money: The Gym. http://www.nodebtplan.net/2008/01/14/dumb-money-the-gym/
You are surrounded by things you have already spent money on — why not use them to exercise rather than spending more money? Heck, you could do arm curls with peanut butter jars for all I care. Good for you for noticing the things around you.
loading....
No worries, JD. The only people who don’t look like dorks on their bikes are the athletes who are competing in the Tour de France. Embrace your bike dorkitude! One of us! One of us!
loading....
another plug for http://www.rosstraining.com
he has a book he wrote for a “gym less” solution. He wrote after being in a situation where he had to take care of his new baby but also keep up with training. I’ve read his book last week and I’ve been entirely enthralled about it. It is the most common sense book about fitness you’ll ever read.
loading....
If you have the space to set up your home gym equipment but are lacking in motivation, you could consider picking a few nights a week to open “Gym Get Fit Slowly” and invite your favorite friends and neighbors to join you. This would help provide a little accountability (what if someone shows up to work out and discovers your gym equipment is being used to dry laundry?) and also some socializing. I always struggle to get into an exercise routine without a partner motivating me although it sounds like you’re doing a great job already!
loading....
[...] showed off his shiny new (old) bike in Home-based Phyiscal Fitness. He also proved he looks less like a dork than I do on my bike by sharing a riding [...]
loading....
It is possible that you would ride more if you had a new, high-quality bike, but (as you’ve experienced) purchasing new exercise equipment with good intentions often fails. I’m hoping to start riding again soon, too (I used to ride my bike everywhere in high school and college), but I’m not excited about the old, hand-me-down mountain bike I have. If I decide I want to buy a new bike, I’m going to create a contract for myself that requires me to ride my bike a certain number of days per week for a few months in order to “earn” or justify the new bike.
Read about my feelings on health clubs here: http://frugalize.blogspot.com/2007/09/health-club-memberships.html
loading....
This is a great post! I found the same thing when thinking about buying some new hiking gear. I WANTED all these new things but after doing an assessment, I realized that I already had them. Sheesh.
As part of your 2008 in 2008, you should bike up to Seattle and we can go biking with my friend Samantha! We’re slowly becoming total biking fiends (come on rain, go away!). You could come and we could bike and chat personal finance for an afternoon. Sound like fun to me
loading....
There is the Nike + for the ipod nano that tracks the miles, calories burned, time elapsed and u can even sync it with the Nike + website to track your miles with friends and others around the world. It’s only 30 bucks.
http://store.apple.com/1-800-MY-APPLE/WebObjects/AppleStore.woa/wa/RSLID?mco=AAFB4189&fnode=home/shop_ipod/ipod_accessories&nplm=MA365LL/B
its a great way to start running and u dont have to buy expensive nike + shoes. For like 5 bucks u can buy online a holder for the sensor so u can tuck it in your laces.
loading....
[...] February 21st: Frugality in practice: Home-based physical fitness [...]
loading....
I love your post. Gyms are great—if you use them! I’ve been a fitness professional for years and it’s always disturbed me how many people buy gym memberships then never use them.
Would it be ok to tell you about another inexpensive way to get fit. Though it may appear as a shameful way to plug my site (and it is just a little), I really believe that our website offers a true value and service to many people. We are “Workouts On Demand” and we offer over 70 online exercise videos. Pilates, Yoga, Toning, Cardio–and we add new videos every week so the content is always fresh.
Please feel free to email me via the site if you have questions or would like more information.
Pascale Vandenbroucke
http://www.workoutsondemand.com
loading....
My wife and I woke up to being obese, started gradually walking together three times a week and eating five times a day measured meals. A year later I am fifty pounds lighter and have replaced the blubber with a 60 pound weight jacket on the three mile up and down hill walks, talking most of the time but aerobically not on the fast pace times especially uphill. I now carry my golf clubs like it was a purse. Still losing. Pushups and abs exercises of various kinds also.
Oh and I love this one… the big rubber ball…. its called supermans…. twenty times for three sets you lay on your stomach and raise your left arm and right leg and then alternate to the other side.
I am six five going on 35 now. 46 pants down to 34. It cost me a wardrobe. And 7 dollars every two weeks or so for Just For Men hair coloring. Incognito cazito.
loading....
Not only should you look in your own home for ways to get in shape, but you’d be surprised at what you can find at the curb or on Craigslist for free.
We have found our exercise bike which I use daily and treadmill on the curb. Both work great, I’m assuming the owners were just making room in their basement.
Their loss and my gain (or weight loss).
B
loading....
Although I agree gym memberships are a waste for most, I do think that people ought to seek out a support group whether that be in the form of workout partners, family or friends.
I’ve always found it’s a lot easier to stay motivated and reach my goals when I have other people around to push me and hold me accountable.
loading....
When I decided I needed to try to put some muscle on & trim some fat off this frame of mine, there was only a half-dead stationary bike and 2 dumbbells in the house, so the equipment bonanza you had stockpiled sounds amazing to me J.D. – but I bet that situation’s true of a lot of people.
Did some basic weightlifting for a few months – saw little results & got to dislike it too: was really inconvenient to get to the “gym” (I use the word loosely) I was using for 1 thing.
And then I discovered bodyweight exercises and haven’t looked back since. No gym, no leaving home, no expense, no equipment save for a mat, fingerless gloves, the floor and the wall.
Not any of the wimpy drawn-out stuff either. Very nice.
I think cycling’s great too, but no bike & not my cup-a-tea right now. Maybe someday though…
Peace & Victory
loading....
Great post.. when I was trying to get my fitness in control I tried a lot of different avenues and for some time it worked but then I’d end up in my same routine. What I noticed really worked for me in the end was picking up a healthier walking routine, so instead of meeting friends at a restruant i’d meet them at the park, or for other physical activities, like playing a round of squash, or racquetball. This got me out more often and fitter quicker.
I talk about other great ways to burn calories on http://www.calorieburningworkouts.com
Do give it a read and post your comments on that.
Cheers,
Walter
loading....
Cool post. I used to be a gym rat. But now that I have a son, I can’t run off the gym for an hour or so. Plus, I live outside of town, so it takes time to get there and back. Since I took up running, I knew I had to cross train, and I’ve always enjoyed weight lifting. I’ve always wanted my own home gym, and I’m slowly in the process of building it.
I had my own set of 10lb dumbbells, and I got a set of 20lb dumbbells for free from a friend. I purchased a treadmill which was marked off about 60% because they were getting new models in. I live in a flat area and hills kill me, so I purchased a treadmill for the incline function, and to use when it’s raining outside.
My bike is 12yrs old, but it works just fine. There are some nice bikes out there, and it really is tempting, but luckily I enjoy mine.
loading....
Nice blog. I have found this to be a great disciplinary act, as I am sure I would easily push working out to the side if I didn’t have to leave my house to get it done. By having a membership I have accountability to comit to my goals to have a nice looking body.
I also exercise in my house sometimes if im tired go to gym.
loading....