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It's a situation you encounter almost every year: once January 1 rings in, you're a few pounds heavier, a few hundred dollars poorer, but a million times more motivated. There's nothing like the promise of a fresh new year to inspire you to get your shit together and get your life back on track.

If you're like most people, your first order of business must be to rid yourself of the holiday heavies and stay fit. You may be tempted to cough up some greenbacks for back-to-back spin classes, but your checking account that's still reeling from your holiday spending says otherwise. And unless you're willing to put yourself further in the red for a Peloton, that's also way out of the question. Read more...

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