Keeping Fit On A Budget


Over the last 2 months, I've been using Westpac's new app CashNav to help me keep an eye on my spending habits. CashNav is linked to your Westpac bank accounts and every time you make a purchase, it automatically categorises your spending into things like health, eating out, groceries and shopping so you can really see what you're spending your money on!

Over this period, I’ve been able to see exactly where my money's spent, a lot of which goes towards food, shopping and fitness. Gym memberships, trainers and fitness gear all add up and are often the first to go when spending gets tight. Some gym memberships can cost up to $150 a month and any extra fitness classes such as yoga or pilates can cost even more on top of that. With a baby on the way, I have been making a big effort to save money by cutting down on the amount I spend each month on fitness. Staying active and keeping fit doesn’t have to be expensive, so I’ve put together some helpful tips on ways to save money on exercise.

Exercise at home Exercising at home is going to save you money because you no longer need to pay for a gym membership. You don't need to go out and buy expensive gym equipment, by using just your body weight, you can work your entire body. If you do invest in gym equipment, you will own it long term and it can also be used by other family members or friends. Working out at home will also save you time because you no longer have to endure the drive to and from the gym or wait in line to use equipment. Exercising at home means your workout routine can work around your schedule. You can work out in the morning, on your lunch break or in the evenings, no more rushing to a scheduled class. Your fitness schedule is yours to make when it works for you.

Share a trainer Personal trainers can often be expensive and when people are saving money, this is one of the luxuries that goes first. If you're considering hiring a trainer or currently have one and are struggling to afford to pay for it, workout with a friend and split the cost. Working out with a friend is also great for motivation and it helps you stick to a routine. You can often find boot camps or group trainings available for the fraction of the price of a gym membership.


Download a fitness app There are numerous fitness apps out now that are free and offer workouts to help you push yourself. There are apps for everything from yoga, and running, to home workouts and biking. Some fitness classes such as Yoga or Pilates can cost up to $30 a class and over time this can get quite expensive. Instead of paying for classes each week, I do a workout from one of the fitness apps I have on my phone. Some of my favorites include the Nike NTC app, Daily Yoga, Pocket Yoga, Blogilates and Fitnet.


Exercise outside With the weather warming up, the last thing you want to do is be stuck inside a gym on a sunny day. You can replicate a gym workout at the local park with some bodyweight exercises. Walking lunges, jump squats and steps ups on a park bench will give you a great workout. If you have a bike, take it for a ride on a designated bike path. There are so many parks and trails around New Zealand that are suitable for long walks or running that are much more enjoyable than running on a treadmill.


Look for discounts Many large companies offer staff wellness benefits such as onsite gyms and personal trainers coming in during lunch time to take staff for a workout. Some health insurance providers also offer discounts and rebates to members that commit to a healthy lifestyle. A lot of gyms offer free daily or weekly passes to new members, and also student specials or discounts. Others offer a free weekly membership if you are a member and bring your friend along or vice versa. Make sure you shop around and take advantage of these.

These are my tips, do you have any others on how to save spending on fitness?


If you're already a Westpac customer, you can download the CashNav app now. If not, click here to find out more about Westpac and CashNav and how it can help you. It only takes a few minutes to sign up online for an account to start tracking your spending with CashNav.