If the economy has you shying away from a gym membership, the IHRSA encourages you to compare the long-term costs of exercise versus health care.

According to the IHRSA, a 2008 study of people who averaged at least two health club visits per week over two years spent at least $1,252 less in health care costs than did those people who went to the club less than once a week.

The organization also said that obese adults who are more than 30 pounds overweight have medical costs that are $5,000 to $21,000 higher than those of healthy weight individuals.

Turn Your Home Into A Gym

If joining a gym still doesn't fit into your budget, or maybe you just don't like the gym atmosphere, Reames has tips for how you can get in shape at home.

"When I walk into a house, I see a gym," Reames said.

Some of the fitness expert's suggestions include filling up water bottles to use as weights, using inexpensive elastic bands for resistance; getting on the floor for push-ups, squats and abdominal work; using a chair for dips to work your shoulders and triceps; and getting in your cardiovascular work by taking a walk outside.