Our growing bodies are also partly responsible for our economic woes, with obesity-related health conditions such as type II diabetes, heart disease and other health scourges busting the health care budget.

But don’t use the current economic climate as an excuse for not getting in better shape. Sure, it might be easier to acquire a toned body with an expensive health club membership or the assistance of a personal trainer — but not necessarily, and at what cost to your wallet, or retirement plan (or kid’s inheritance)?

The truth is, you don’t need to spend a wad of cash to get fit. The main ingredient to success is the desire to change a sedentary lifestyle into the pursuit of active personal fitness. Judging by the girth of our population, this ingredient may be hard to muster, but it is in fact, free. Here are some tips for getting fit and putting health first with little or no money down:

Tune in to fitness programming. Scour local, cable or satellite television listings for fitness programming. If none can be found, check your local library for free or low-cost rentals of fitness videos and DVDs. Make a regular habit of viewing and completing a fitness workout in the comfort of your own home.

Join a walking, running or cycling club. Exercise can be fun, especially when there is a social component. The camaraderie of a fitness club can be a great motivator and will help you challenge yourself to increase your speed and distance over time. Costs range from free to low monthly dues.
Become more active. Increase the steps you take each day. An inexpensive pedometer can help you keep track of the turf you cover. Leave the car at home and walk or bike to your next destination (you’ll save on gas and car repairs over time). Take the stairs. Start or end your day with a brisk walk around the block.

Pump iron (with aluminum cans). Muscle strength is an important aspect of fitness, but you don’t need a fancy weight set to build bulk. Scan your pantry for canned foods in a variety of weights. Tape several cans together or stack in a cardboard tube to make a heavier weight.  If you’re intent on owning the real thing, check thrift stores for bargain weight sets.
Surf for support. The Internet is rich with information on exercise regimens and fitness plans. Find what you need to get physical.

Tap your employer and health insurance provider. Employers and insurance companies want you to be healthy. Participate in their health fairs and take advantage of fitness product and service discounts and other resources to create a healthier lifestyle for yourself.

As you can see, there are a number of ways to squeeze fitness into your day without draining your bank account. The bonus is that a healthy lifestyle can lead to better financial health, by preventing costly health conditions. Talk to your financial advisor to explore where your budget and savings could benefit by putting health first. Start small and work your way up to the goals you have for your personal health and wellness.

This communication is published in the United States and this advisor is licensed only in the states of MI, OH, MD, FL, NC, CA and VA. This column is provided for informational purposes only. The information is intended to be generic in nature and should not be applied or relied upon in any particular situation without the advice of your tax, legal and/or your financial advisor. Neither Ameriprise Financial nor its advisors or representatives provide tax or legal advice. The views expressed may not be suitable for every situation. Consult with qualified tax and legal advisors concerning your own situation.

Neither Ameriprise Financial nor its representatives or affiliates provide tax or legal advice. Consult with your tax advisor or attorney regarding specific issues.

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