Cutting Back

Do you have the discipline to cut back on gourmet coffees and other frivolous expenditures? Doing so could save you up to $500 a month. Here are some suggestions, though I have to contest number 4. The type of exercise one can do in a gym is critical to long term health. Benefits such as increased bone density and maintenance of lean muscle mass (which is critical to one's metabolic rate) are not enjoyed during aerobic-only workouts. A gym membership is worth every penny, but only if you're actually going to use it...