Assess your Fitness Level As I'm fond of saying... Fitness is a journey, not a destination. Once you have assessed your needs and situation, you can evaluate the different types of exercise or training you plan to do. Add in other factors such as your personal fitness level, budget, and space available and pick the equipment that you already have... your own body! Exercise balls are one of the most versatile and effective pieces of fitness equipment relative to their cost. Another low cost equipment alternative is a stretch band. These are just what they sound like, a stretchy band made of lycra, nylon or sometimes rubber. Sometimes called resistance bands, they allow you to make monthly payments on the product. You won't be able to take your equipment home with you right away, but you can find other things to do in the mean time until you have paid it off. If exercise equipment finances may be a concern to you, they are not a reason not to buy the exercise equipment that will completely transform you and help