To workout, all you really need is a few basic items: a chair, milk jugs and your own body. With these three basic pieces of equipment, you can lift weights, do crunches, leg raises, stretches, dips, jumping jacks, pushups, stretches and body weight squats. It's a full workout if you ask us, and that doesn't even factor in walking and jogging. You can join free sites such as LiveStrong and SparkPeople to find workouts and visit Craigslist or Freecycle for free or inexpensive equipment and gear. At about $42 a month, a gym membership can add up big time.

Approximate Savings: $500 a year.