Sam, Auckland.

Avoid an expensive gym membership and get variety in your workout by having a buddy system. If you have a friend who has different exercise equipment/DVDs etc to you then organise a swap, or better yet take turns visiting each others house (change of venue can increase motivation). This means you can get variety in your work out, catch up with your friend for free and if you have children you can take turns watching each others children and save on creche fees. Having a buddy also makes you more accountable.