Stay in shape without giving your bank account a workout.

We’re all familiar with the benefits of getting lots of exercise — and the obstacles too. With gym fees, personal trainers and expensive gear, it’s easy to see money as a barrier to better health.

However, a tight budget doesn’t have to stand in the way of your fitness goals. Here are some tips to keep you and your bank balance healthy.

Explore

There’s no arguing the benefits of cycling and walking, but sometimes we need a change of scene from our neighbourhoods. Visit your local tourism bureau, parks and recreation department and Chamber of Commerce (in person or online) for maps and guides. These resources can highlight places to get some outdoor exercise — like local parks, hiking and cycling trails, gardens, heritage neighbourhoods and historic cemeteries. Tourist information bureaus also offer self-guided walking tours where you can see local sites and set your own pace.

You can pick up a free (or inexpensive copy) at the organization’s office, or download it directly from their website.

Check your local events calendar

Many people aren’t aware of the resources in their own area. Check out your local events calendar and recreation guide for:

- Hiking clubs and walking or running groups.

- Open houses at gyms, studios and recreation centres. You’ll have the opportunity to try out the facilities and lessons for free. Many dance and exercise studios offer free demonstrations too.

- Free or inexpensive skating and swimming times at recreation centres and drop-in sports. Some community centres and arenas offer free use of their walking tracks during certain hours, or you can join a mall walking group.

- Charity events such as sponsored walks or runs. Keep motivated by training for the event, and raise money for a good cause too.

Find support

Other helpful sources you can tap: ask your doctor or call the local hospital and health clinic to find out about programs and facilities in your area.

If you’re looking for some additional support, check with non-profit groups and disease-related charities. For instance, try the Heart Stroke Foundation’s Healthy Weight Action Plan and the Arthritis Society’s Lifestyle Makeover Challenge.

Think outside the studio

Classes are a great way to learn new moves, meet new people and find support. Look for ones that are held in schools, churches, parks and community centres instead of paying a premium at gym or studio. Unless you’re choosy about your setting or need special equipment, it pays to price shop before you register.

Use what you’ve got

If you want to try a new routine before you buy expensive gear, look around your house. Many items — like soup cans or water bottles — can be used in place of free weights or dumb bells. Many workouts involve using a chair or a wall, and you can use your stairs for step training.