The reasons not to go to the gym are endless: Its really cold outside.

Panting in an exercise class with 15 strangers in the middle of flu season doesnt sound very fun.

Maybe you just dont feel like going.

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Shes a regional manager in Long Island forGYMGUYZ, the first in-home mobile personal training franchise company.

She became a personal trainer seven years ago, after going through her own weight loss journey.

That doesnt count activation fees or the gas youll spend getting there and back.

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Probably not as good as youd like.

It always seems like an uphill battle to build (and keep) a decent amount in savings.

But what if your car breaks down, or you have a sudden medical bill?

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For anyone getting started, Moutopoulos recommends consulting with both a doctor and with a trainer.

Theyre experts in the field and can help customize a plan that works within your restrictions and your goals.

Its a potential up-front cost, but worth it to double-check youre being smart.

The cheapest way to do that?Resistance bands.

Resistance bands can cost less than $10.

They usually come in a set of different tensile strengths, so you could customize your workout.

),bridge,back extension

Ah, thestability ball.

Turns out its good for more than just replacing your office chair and making your colleagues feel lazy!

Tons offull-body workoutsrequire nothing but a properly sized stability ball.

Full disclosure: This is the most expensive item on the list.

This popular version costsabout $20for the 10 lb.

version, with the cost increasing or decreasing based on the weight.

you could also find them (and anything else on the list!)

pre-owned on Facebook Marketplace to cut your costs even further.

Yoga is a good way to round out intense training, and stretching is always a must.

But the most important thing is to start moving.

you might use a chair for dips and pushups.

Your home is already a treasure trove of DIY gym equipment, if youre creative.

Exercising doesnt have to be intense or unpleasant in fact, it should be fun!

Dancing in your underwear or chasing your toddler around the backyard both count.

But it doesnt have to be complex or expensive.

Fitness should be accessible and attainable for everybody, Moutopoulos said.

Certain content that appears on this site comes from Amazon.

This content is provided as is and is subject to change or removal at any time.

Product prices and availability are accurate as of the date/time indicated and are subject to change.

Jamie Cattanach and Cassidy Alexander are contributors to The Penny Hoarder.

Former editor Sushil Cheema contributed to this post.

(Can you sense my millennial sarcasm there?)

You know which ones were talking about: rent, utilities, cell phone bill, insurance, groceries…