Homeownership Guidance, Advice and Blogs

As the Director of Affiliate Relations at HomeFree-USA, I’ve always been fascinated with how people handle their money. Like everyone else, I’ve had my financial ups and downs. In fact, it took me 32 months to pay off $32,000 in credit card bills and build up a six-month emergency fund. While that was a very difficult period, I am grateful – and wiser -- for the experience.

Through my personal experiences and working at HomeFree-USA, I’ve gained a ton of insight that I feel compelled to share. You’ll find those lessons here. Feel free to take the thoughts and ideas that resonate with you most and put aside the rest for later. I look forward to sharing my journey.

Cut the Cost of Working Out Via Your Phone

It’s finally warm outside!!! Wearing lighter clothing has a way of reminding us to recommit to exercise and eating right, but suppose you have little time and even less money? Fortunately there are several apps that will adjust to your schedule and budget.

Here are a few of the most popular FREE apps:

Freelectics Bodyweight is a great app for those with no gym access or equipment. Trainings are based on using your own bodyweight (think: push-ups, squats, planks), but they also have programs for the gym, running and nutrition. You’ll complete an initial fitness test so the app can suggest proper workouts. For $34.99 per month you can be assigned a personal coach who will further tailor your workouts.

Nike+ Training Club offers hundreds of workouts and the ability to be coached by Serena Williams, Kevin Hart, Michael B. Jordan and more. Workout times range 15-45 minutes, offer various skill levels, and include bodyweight and equipment based exercises.

Sworkit is great for those who prefer to stick to one type of exercise (i.e. cardio, strength training, pilates, yoga, etc). Workouts are broken down by category and time, but are randomized so you won’t get bored if you can only do yoga for 10 minutes a day. Beware that offerings are limited on the free app, as they’re trying to entice you to purchase the paid options starting at $4.99. There’s enough free content for you to determine whether it’s worth the investment.

YouTube - my fall-back has always been a good video by an up and coming trainer. Just do a search for the type of workout you’re looking for and go down the list until you see one that fits your needs.

Free local classes - studios typically offer first class free, or even pop-up classes in new locations. I usually find out about these via social media (especially Facebook’s event calendar), the studio’s website, and/or Meetup.com. This is how I tried out Soulcycle. Amazing experience, but far too expensive for me. I signed up for their mailing list though, and continue to watch for discounted and free classes. A friend does the same with Barre3.

Groupon - not free but you can always come up on a good deal for a local or virtual workout class. A friend just bought a cycling class session for $20, which is normally $45.

Now, there are no excuses.

And so it is.