"One of the best ways to work out is in the home", said Cindy Boggs. "Because it's at your schedule. You don't have to travel anywhere."

Cindy Boggs, a health expert, says not to short change your workout; just get creative.

"Go through your day, every day, thinking fitness or activity because it doesn't have to be one planned effort," Boggs said. "It can be sneaking in fitness all through your day. For instance, use your stairs. Think of your stairs as a piece of cardio equipment and use them. Take them in two's instead of one's. And do it often."

Cheap investments will pay off long term. Boggs recommends buying an exercise ball, free weights and a resistance band to work up a sweat; even while you watch your favorite tv shows.

"Swap them with friends that are like-minded that want to work out in their home," Boggs added. "You can check them out free at the library. They have thousands of them. And that's another great way to have instructional information right in your home."

Staying in shape will save you big money long-term. Healthy lifestyles mean less doctors visits.

"The best case scenario is they don't have to take as much medicine as they were once taking," said Boggs. "Another great thing is their blood pressure comes down. They're going to sleep better, feel better, and they're going to have a sense of well-being."