With the warming days coming to most of the States, now is the time to start that habit to better health with cheap and cost-effective ways that help you lose the weight without losing money from your wallet in the process. I've already written about free exercise or gym membership dues and I get more satisfaction from not having to lay out any money by finding cheap resources for exercising, right under my nose.

If setting aside time is hard to do with exercising you would be surprised at what you can do to keep yourself in tip top shape with very little effort.

1) Walk. Walking is hugely underrated, yet its something almost everybody can do. The average person walks less than 6,000 steps per day. Aim for 10,000 steps. Make sure to walk briskly to raise your heart rate for maximum benefit. But even a stroll through a shopping mall is better than sitting on the couch.

2) Buy a pedometer to help keep track of your steps. You can get one for about 10 bucks, although they come free from some companies.

3) Take the stairs every chance you get, even if it's only one flight.

4) Park farther away from work or from the front door of the shopping mall or grocery store.

5) Jog or run.

6) Don't use your children as an excuse not to exercise. Take them along for a walk or run in a stroller, wagon, or on a bike.

7) Buy a dog from the SPCA or borrow the neighbor's mutt. People who walk with dogs walk longer and more often than those who don't.

8) Turn on your radio, CD player or MP3 and dance up a storm for 20 to 30 minutes in the privacy of your own home. Jog on the spot, bop around, throw in some karate/kung fu type kicks and just have fun, even if you are cleaning the house.

9) Use that library card and borrowing privileges for all sorts of exercise videos.

10) Use the lowest stair or stairs in your home or outside and create your own step workout. Three steps can give you a good workout for the upper and lower body.

11) Turn your canned goods into weights. A five-pound bag of sugar weighs as much as a five-pound weight. For a more challenging strength workout pour sand or water into empty milk or bleach bottles. Gradually increase the sand or water over time to keep your muscles growing stronger.
12) Grab a chair or the kitchen counter and do some push-ups and leg lifts.

13) Pair a favourite TV show with some sit-ups. Just hook your toes under the sofa and go out it, most commercials run 2 minutes long between the tv programs.

14) Take the treadmill/rowing machine/exercise bike hidden away in the basement or under a pile of laundry and move it into a prominent place like the TV room.

15) Thinking of buying a piece of equipment to workout on at home? Check out the classifieds, Craigslist and eBay, locally, for a good deal. Someone's "clothes hanger" could be your ticket to fitness.

16) Pick up a ball or play tag with your kids. Activity is good for the whole family.

17) Pass on hired help and do your own housecleaning and yardwork. Done vigorously and continuously, housework burns 346 calories; yardwork, 250 to 400 calories. Washing the car uses up 245 calories; washing the dishes; 122 calories.

18) Call up some friends for a game of shinny street hockey or pickup b-ball at a neighbourhood playground.

19) Pick up cheap, used sports equipment at second hand sport stores and discount department stores.

20) Check with your community league or local rec centre for any exercise classes or team sports you can join for a pretty affordable price.

21) Got rope? Jump it for a total body workout.

22) Exercise with a friend. It will increase the chance of you sticking with your new activity.

23) Dust off the bicycle you forgot about in the garage or pick one up cheap at a garage sale.

24) Swim.

25) Laugh. Great big belly laughs. Every day. It's good for the soul as well as your abs.

26) Carry around a computer bag or backpack weighted with five or 10 pounds of stuff for exercises like one-armed rows or squats you can do throughout the day.

27) Buy a stability ball. They can be picked up for $10 -20 and used as an office chair. Balancing on a ball works your core muscles.
28) At work, stand up and go for a walk or just stand by your desk and stretch for five to 10 minutes every hour. Sitting hour after hour is the major reason most people have back pain. Hourly activity breaks at work make for a more fit, healthy, engaged employee and help to add up to the 60 minutes of daily activity.

29) Check out the company gym if you have one. Studies show only 20 to 40 per cent of employees take advantage of company-sponsored gym. There's a treadmill just waiting for you.

30) Ask your employer for some free space, send out an e-mail to see if others are interested, and bring in someone to teach a yoga or Pilates class on site once or twice a week and split the cost.

31) Organize a hockey, basketball or baseball game with the people you work with. Challenge other departments or other companies, says reader Jon Fraser.

32) Check with your boss or human resources department to see if there's a program that will help pay for all or part of a gym membership.

33) Find out if your local gym offers discounts based on age, company or college attended.

34) Sign up for a gym during trial periods, many offer a 5 - 14 day free trial.

35) Paying $40 or $50 for a monthly gym membership may seem like a lot, but if you thrive in such a high energy setting and if you are a weekend warrior only, even then, that works out to $4-6 a visit per month.

36) Check if your health insurance company offers lower premiums to people who workout regularly or have a club membership.

37) Call up a trainer, tell him or her you're on a budget and see what they can provide you for $50 or whatever you have to spend. Many provide a free consultation to discuss your goals. And one workout session can provide you with a program and tips on technique you can then do on your own. Arrange a session every one to two months to upgrade your routine so your fitness level keeps improving.


One thing I have learned that proves itself over and over to me is that one's physical health has a parallel existence to being fiscally healthy.


Pictured in order, via creative commons: Pierre LaScott, ~ggvic~, rich115

My part-time job is working in the cash office of a large retail store that deals with coupons everyday. And once in awhile I see a few counterfeit coupons that get by our cashiers. But most of the time they are able to spot them. Unfortunately, this causes embarrassment for the customer who either was fully aware of their coupon being fake or was unaware. Either way, it is an awkward situation for both customer and cashier.

Some things to keep in mind when you are searching online for printable coupons to take with you to the store.

1. All coupons have company information
They usually have information for the store on where to send the coupon and that the coupon will be reimbursed for the face value plus .08 cents for handling. They aren't shy about putting the company name on it, for instance I have a Wheatables coupon that has the Keebler name on it.

2. All coupons have bar codes. 
There is the bar code for the cashier to scan and many times a bar code to track what site the coupon came from such as smartsource or redplum. And they can have a 3rd tracking code on the coupon to register if the coupon has been photocopied.

3. Missing expiration dates or Over-extended expiration dates
A coupon that has no expiration date or an expiration date that goes into the next year should give a red flag, unless it came direct from the manufacturer. This doesn't include coupons that say, "no expiration date"-You can still find some of those in old good housekeeping magazines and the like.

4. Coupons on PDF
This will pop up occasionally, like the DQ Blizzard special on a BOGO for 25¢, this week only. But they usually are for very short periods or are related to rebates, something you fill out. These coupons are usually found on the company websites. The above DQ pdf is hosted on their idq.com site (information about dairy queen). Otherwise, stay away from pdf coupons that don't come from the manufacturer.

5. When in doubt, email or call
If you are unsure about the legitimacy of a coupon take a few minutes to go to the manufacturer's website and find their "contact us" area to call or email them. Most will get back with you via email in two days or less, enough time to still get use the coupon if it is legit. If it appears to good to be true, listen to your gut and check it out.

6. Consider printing coupons in color
I have read through enough forums to see that some customers have trouble with coupons in black and white. Sometimes the best way to get past the cashier having doubts of the coupon is to print it in color and spend the extra ink to save yourself time at the register.


7. Free Item coupons
Coupons that are for an item free are most likely not real, especially if they came as a pdf or through the email, like the Doritos coupon above. I have viewed the company website and they say, "At this time, we have also been alerted to a fraudulent $5 coupon offer for Doritos chips that is circulating on the internet.  This $5 coupon offer is not authorized by Frito-Lay. The invalid $5 coupon may not be accepted at retail outlets.  We regret any inconvenience.  We're working to find ways to prevent these types of counterfeit offers from misleading our consumers."

8. Check out Snopes
I am an avid fan of snopes getting the goods on fake coupons. A few months ago we got tons of coupons for free cheese and reynolds wrap and only snopes had the info on them being counterfeit. They also had the 411 on the fake blockbuster coupon from a few years ago


9. If you know about coupon fraud contact:
The Coupon Information Corporation
115 South St. Asaph Street, Suite D
Alexandria, Virginia 22314
(703) 684-5307

More than 300 individuals and organizations have been successfully prosecuted for coupon fraud in actions in which the CIC has provided supporting information. These individuals were responsible for more than $250 million in fraudulent coupon submissions.  
Per the CIC: Penalties for those convicted of coupon fraud related crimes vary by each case and the number of laws violated.
Longest prison sentence: 17 years
Highest financial penalty: $5 million

Prison sentences of three to five years are not uncommon. Financial penalties generally vary, but have often been in excess of $200,000.



10. Remember in the end
When anyone uses a fraudulent coupon we all lose out. The store loses the cash back from the manufacturer plus they lose the product walking out the store. The customer loses out because the cost of items go up with "stolen" merchandise. So please take care to notice the coupons that you use.
Thanks

I have been a regular reader of the @debtdiva via twitter and have enjoyed her articles as well. Recently I was sent a great reminder of ways to keep our wallets clean from future debt.

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Americans are plunging deeper into debt each day. Take a look into your wallet. What’s inside can either help or hinder your journey towards debt free living. If your goal is to pay down your debt and live within your means it’s time to examine your wallet and give it a quick and easy spring “cleaning” with these tips from The Debt Diva.

  • Keep your credit in check! Remove your credit cards from your wallet and keep them at home in a safe place. Having easy access to credit can be too tempting for those who tend to make unplanned purchases.
  • Use Powerful Plastic. You don’t want to overdraw your account and pay hefty bank fees. If that’s a problem for you, consider getting a prepaid card. What’s different about a prepaid card is that it’s tied to a savings account (typically an online account) rather than a checking account. You can only spend the money available in your account. If you go over your balance, your charge will be denied and you won’t incur any fees.
  • $20 Life Saver. Keep a $20 bill in your wallet at all times. You never know when you will need to hit a pharmacy or convenience store for a small purchase just to make it through the day.
  • Pocket those receipts. Save the receipts from all purchases to track your spending and see where your money is going. This will help you keep your budget in check and make strategic purchasing decisions.
  • Keep the change. You can build a healthy savings account from the spare change left in your purse at the end of the day. Starting small is the way to large gains, and it will get you in the habit of saving! Always keep the change from any purchase, and put it straight into your piggy bank when you return home.
  • Rewards cards. No wallet is complete without rewards membership cards from vendors you frequent – particularly your grocery store. You should always keep those on hand for unexpected trips to pick up milk or eggs on the way home.
Still feeling overwhelmed and stressed? Check out The Debt Diva’s Great Money Makeover Contest for your chance to win a personalized debt relief plan from the Debt Diva!


Clarky Davis, The Debt Diva is a debt management expert with more than 10 years of personal and professional experience. As The Debt Diva she offers financial fitness education and “real world” money saving tips to help consumers trim their spending in just about every area of their lives. As The Debt Diva for CareOne Credit Counseling, Davis shares her savvy debt management tools with consumers and provides free downloadable guides at TheDebtDiva.com.

photo via consumerist