10 Ways to Spend Smarter

Freeze Your Gym Membership and Work Out at Home

Most large gyms will let you put a membership on hold for up to three months. Just think: no commute! No lines! No sweaty guy on the next tread-mill! The following videos are available at amazon.com and netflix.com.

Yoga lovers: Try Yoga for Stress Relief ($20), featuring yoga veteran Barbara Benagh and the Dalai Lama. More than 20 practices address different stress-related issues (stiff neck, back pain), and there’s also a meditation guide.

Pilates devotees: Check out 10 Minute Solution: Rapid Pilates, with Lara Hudson ($15). The succinct workouts target different body areas. (Use water bottles in place of the needed hand weights.)

Cardio addicts: Get a kick from 30 Day Shred With Jillian Michaels ($15). Michaels, the star trainer on The Biggest Loser, knows how to keep motivation high.