4 Ways to Get Fit Without Spending A Fortune

Now that January 1st has come and gone, I wonder how many people have already fallen by the wayside when it comes to their ‘Exercise more’ resolution.  I know how resolutions go, so I bet it’s a lot!

If you haven’t yet given up or want to get back into it, or even if you haven’t gotten started yet, here are some affordable or even free ways to meet your exercise goals this year.

  1. Go for a walk – A brisk 30-minute walk can get your heart pumping and burn a good number of calories.  I know that it’s cold in many parts of the country, but as long as there is no snow or ice to increase your risk of a slip and fall, what’s stopping you from throwing on a jacket and gloves and going out for a stroll?  Think of it this way, the cold will probably make you walk even faster, which is a good thing, right?
  2. Join a cheap gym – I am a member at Planet Fitness, and it costs me the tidy sum of $10 per month, and a syt-2016-01-exerciserecurring annual fee of $29.  That averages out to about $12.50 per month, and they have something for everybody there.  Don’t fall for the hype that a more expensive gym will somehow get you in better shape.  It’s not true.
  3. Find an exercise partner – If you just can’t drag yourself to the gym, chances are you will find a way not to go, that is if you’re planning to go by yourself.  But, if you have someone else that you’re going with or meeting up with, that drastically increases your chances of success.  An accountability partner is a great way to stay motivated, because you can help each other out.
  4. Be realistic – When people start exercising, more often than not they see a complete transformation.  They envision dropping 50 or even 100 pounds, going from zero visits to the gym to four or five per week, and all sorts of great things.  Those are all fantastic goals, but unfortunately, they’re usually a long ways away from someone just starting out, and once that realization sets in after the initial enthusiasm fades away, that can cause people to lose motivation if they see the goal as too far away.  Setting smaller goals that are within reach from the get-go will provide a lot more motivation and cause for celebration that will increase your odds of keeping it going!

Exercise and fitness are important goals that we should all strive for, but the point is that they don’t have to come with a big price tag, despite what all the ads on TV and the web are probably telling you.  Using the above or similar tips will increase your odds of hitting your fitness goals, all without breaking the bank!

What are your fitness goals for the year and how do you plan on hitting them?

Copyright 2013 Original content authorized only to appear on So You Think You Can Save. Please subscribe via RSS, follow me on Twitter, or receive e-mail updates. Thank you for reading.

6 Ways To Reduce Credit Card Interest

Now that the holidays are over, the bills come.  And, wow, can they hurt!  While it would be nice to think that everybody could simply pay off their bills and be done, the fact is that more people than not carry credit card debt, which means that they pay credit card interest every month.

Credit card interest rates are among the highest rates most consumers will pay, but this doesn’t mean that you’ll be in that situation forever (though the credit card companies would certainly like you to be).

Here are six ways that will help reduce your monthly credit card interest payments, and help get you away from that cycle of credit card debt.

  1. Stop charging – This may seem simple, but it’s often overlooked.  Some will say that avoiding the use of your credit card is impossible, but it’s not.  Yes, it may require some sacrifices and tough choices, but it can be done.  And, if it is done, then as you make payments, your interest amount will gradually decline.
  2. Pay extra – Don’t just make the minimum payments.  Make the maximum payments that you can comfortably afford.  The impact will be greater than most can hope to make even in the best performing stock market, so throw your money at it and watch the monthly interest amount decline.
  3. Call your credit card companies – Many times your credit card companies will respond to a request for a lower rate by…lowering it.  Your chances will be greatly helped if you’ve had the credit card for a long time, have not missed any payments, and have a good credit score.  Speaking of which…
  4. Improve your credit score – If you haven’t obtained your credit report or credit score in a while, it might besyt-2016-01-creditcard a good time to do so.  Credit reports can be gotten for free annually, and credit scores can even be free if you look around.  Getting your score up around 700 or higher will open up a world of possibilities in terms of lower interest rate cards, or even getting your credit card company to say yes, if they didn’t the first time.
  5. Balance transfer – Many card companies will let you transfer a balance at a substantially lower rate.  If you then make the same (or greater) payments that you were making before, you’ll put more of your payment toward principle, further knocking down the interest and letting you pay the card off sooner.
  6. Consolidate your credit – Getting a debt consolidation loan can be tricky and it’s not for everyone, and it does provide extra risks, but it can substantially lower your interest rate.  If you go this route, you should definitely get the advice of a professional.

Readers, have you used any of these strategies to accelerate and/or eliminate your credit card debt?  Please share your success stories on these tips or any others that you might have below.

Copyright 2013 Original content authorized only to appear on So You Think You Can Save. Please subscribe via RSS, follow me on Twitter, or receive e-mail updates. Thank you for reading.