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This is a guest article by Jennifer Calonia, Junior Editor at GoBankingRates. In the article, the author offers suggestions for staying fit without breaking the bank.

It’s that time again: Beach season is fast approaching and franchise gym promotions are in full swing to lock you and your checking account into a pricey workout regimen. It may be tempting to jump on board the latest exercise trend, but expensive programs and spa-like facilities are not only unnecessary, they’re a hazard to your financial well-being.

Instead of signing up for a pricey membership, consider low-cost fitness options and free workout routines that don’t muscle hundreds of dollars out of your pockets monthly.

Skip the treadmill

Purchasing a treadmill can cost at least $400 (or much more) and an annual gym membership runs about the same amount for a mid-level fitness center. A frugal alternative to the treadmill routine is simply running outdoors. If your neighborhood isn’t necessarily runner-friendly, seek out jogging paths near park facilities or visit your community track (typically you can use a local community college or high school track during off-hours) for a free run.

At most, you’ll want to purchase a quality pair of running shoes (which costs anywhere from $75 to $150) to withstand the rougher elements of the outdoors. Not only do you save hundreds by avoiding a gym contract with free workout routines like this, you also get a more challenging workout due to the added wind resistance and have interesting scenery to look at as opposed to the back of someone else’s head.

Editor’s note: See ten things your gym won’t tell you.

Tap into the web

The internet offers a range of free exercise videos that focus on a variety of muscles and help raise your heart rate. These videos are also a great alternative to specialized exercise studios, which charge upward of $100 per month for workouts.

For example, unlike the financial demands that yoga studios can inflict upon your budget, YouTube can satisfy all your yoga needs with beginner to advanced poses at no cost. A simple search using the keyword phrase “yoga workout” bring up a list of 20-minute to full 45-minute yoga classes at varying skill levels. This workout routine will, at most, require you to buy a yoga mat at under $10 from a local sporting goods store.

If you really must have a more standardized yoga practice, try visiting YogaVibes.com, which offers unlimited yoga class streaming for $20 a month. While this option requires that you join a membership program, it is at least cheaper than the $100 or more you’d pay monthly at a boutique yoga studio.

Join the community

For active bodies that are motivated by the perseverance of others, a community fitness event may be more to your liking. Joining group activities like trail hiking or a community basketball league are great ways to get engaged in a fun workout while meeting new people.

These group settings typically come at a low out-of-pocket cost. For example, I joined a paid basketball league and the registration fee was only $20 for the three-month season. To get the same group atmosphere, you can also visit your local recreational park for a free pick-up game at the basketball or tennis courts.

Keep on swimming

If your apartment facility already has a pool, or if your home has the luxury of an average size swimming pool, you might as well use it as an in to free workouts. You’ll get a low-impact workout that is great for muscle definition, just in time for the summer months.

Workout junkies who don’t have a pool at home can visit public swimming pools in the area. Generally, a low entrance fee of about $5 is collected at the door for each swim.

Preparing yourself for a beach-ready physique doesn’t have to topple your finances. There are legitimate and effective free workout routines and free exercise videos that can be used to achieve comparable results and maintain the motivation you need to reach your fitness and health goals.

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Dr. Cornel West is a Princeton University professor and author. Tavis Smiley is a television and radio talk show host and author as well. The two have known each other for a long time, and last year they toured the country to hear from citizens and talk about the issue of poverty in America. After their travels and discoveries, they published a new book together, The Rich and the Rest of Us.

The central concept of the pair’s appearances, including visits to news programs and public speaking, is that poverty is largely ignored as an issue. When Mitt Romney explained that he wasn’t concerned about the very poor thanks to the systemic advantages this class is afforded, Romney was speaking from the system’s perspective.

Cornel West and Tavis SmileyMoney rules politics, and only groups with significant amounts to pledge to campaigns or lobbyists can influence public policy. It’s the way our democracy is designed, and it’s not much different than when the country was founded. The primary difference is that wealthy corporations, not just wealthy individuals, have a bigger influence today. Democrats or Republicans, the power of money is the same.

Smiley and West offer an interesting statistic. They claim that one in two Americans — half of this country’s population — deals with poverty. 150 million people are in or near poverty, perhaps just one lost paycheck away from spiraling into a financial situation that could be difficult to fix. The authors are also including “new poor” in this figure, and the “new poor” are the former middle class.

I’d like to get a chance to chat with either of the authors about this concept. Is the middle class truly poor? As a group, they are certainly better off than those in abject poverty. My understanding of middle class — and I realize that there are always ways to interpret classes differently depending on one’s perspective — is that today’s middle class is generally working, earning a paycheck, and somewhat able to spend beyond the basic physiological needs like food and shelter.

On the contrary, the middle class has faced unemployment over the last few years, and for many, this has been a struggle for families. Unemployment has enabled class mobility in a negative direction, removing families from the particular designation of middle class. Families remaining in the middle class live paycheck-to-paycheck, so the loss of that consistent source of income combined with the difficulty of replacing a middle class job could lead a family into poverty. For many middle class families, debt is a way of life, and allows people to “afford” a living that appears to be like their neighbors’.

To work towards the solution of eradicating poverty in the United States, the two authors want to see President Obama or whoever receives the office after the next election set up a conference on the issue. They would like to see the government move forward with a massive job program, investment in education, and abandonment of austerity policies. This is not a solution to poverty, and I believe the authors realize this. It’s intended as a beginning, a way to keep poverty in the forefront of political discourse, and encourage smart people to get together and work on solutions to poverty.

It’s hard not to compare Smiley and West with their hero and the hero of many others in this country, Dr. Martin Luther King, Jr. The issue of poverty of worthy of as much attention as the civil rights movement received in the 1960s. Where the comparison fails is that Dr. King had the ability to foment a revolution. The public, for the most part, saw civil rights as an important issue. The time was right, with a public ready to be involved, empowered to force a change. Dr. King took his message to the streets; Smiley and West are taking their message to the streets, selling a book, and charging admission to their talks.

For poverty to become the lead story in a system that pays attention only to the issues prescribed by those with money, there needs to be an uprising, a revolution. An apathetic public without the feeling that the issue of poverty is personally relevant will not rise up. There might be a thought that the Occupy-branded protests show that the public is ready to support a major issue like civil rights was in the 1960s, but I don’t think it’s ready yet. The Occupy-branded protests are too small and too unfocused to make the necessary impact. If Smiley and West want to influence the way Americans think about poverty, they’ll need to take a page from Dr. King’s book, and do a better job of getting people to care about the issue and see the value of change.

Here’s a clip of Tavis Smily and Dr. Cornel West on Face the Nation (sorry about the advertisement first):

The pair also appeared on Stephen Colbert’s Colbert Report recently for an entertaining interview.

Photo: DC Central Kitchen

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This is a guest article by Gerri Detweiler. Gerri is the host of Talk Credit Radio and serves as Director of Consumer Education for Credit.com. She is the author or co-author of five books, including Debt Collection Answers: How to Use Debt Collection Laws to Protect Your Rights. Her next DIY project is to (finally!) roast coffee beans.

Mark Frauenfelder makes his own yogurt and sauerkraut. roasts coffee beans, and has raised chickens. He’s also tricked out an expresso machine and built his daughter a guitar out of a lunchbox. And he’s managed to complete all of these DIY projects — and many more — while contributing to the very popular blog BoingBoing, and serving as editor of Make Magazine. Oh, and he’s also written a book about his experiences: Made by Hand: Searching for Meaning in a Throw Away World.

My DIY projects, by contrast, are often utter failures. My homemade sauerkraut probably would have given me food poisoning if I had been dumb enough to taste the foul-smelling concoction, and the popcorn popper I bought on eBay to roast coffee beans has been sitting untouched on a shelf for a couple of years now. Oh, and my homemade yogurt tasted like the cheesecloth I used to strain it.

It would be easy to dislike Frauenfelder, except for the fact that he’s a really nice guy. So instead of getting annoyed every time he writes a post about one of his successful projects, I decided to interview him on my radio show, Talk Credit Radio, in the hopes of gleaning some wisdom that could help me become a more successful DIYer. Following are some his best tips (edited and excerpted) from that interview:

Don’t be afraid to make mistakes

Gerri: Tell me a little bit about what you learned from your DIY journey?

Mark: I think the most important thing I learned was that it’s okay to make mistakes, and that you can learn a lot from mistakes. In fact, a lot of research has shown that people learn fast when they do make errors because it really sticks in your mind.

As Editor-in-Chief of Make Magazine which is a technological project magazine, I hung around a lot of people that I call “alpha makers,” people who are just committed to anything and they do a great job of it. I found that it isn’t so much their skill level that’s important but the fact they have gotten over their fear of screwing up. And that is like the most important thing that I learned, otherwise you’re going to be frozen with fear.

I make tons of mistakes all the time but I hopefully learn from them so that every new box guitar I build is a little bit better than the one before. Then you can raise the bar and challenge yourself to try something a little better. It’s a fun way of looking at the world.

You do have time to for DIY projects

Gerri: Mark, let’s talk a little bit about the time factor. You’ve got two daughters, and a full-time job as a writer and editor. How do you fit in these DIY projects? Wouldn’t it be a lot easier to just go and buy a spoon (rather than carve one yourself)? Or go and buy espresso rather than try to figure out how to trick out your espresso machine?

Mark: Absolutely, it would be easier to go out and buy something and time is really precious, especially when you have small kids and you have to work for a living. And that is one of the reasons I wrote this book. I read all those books about going back to the land and making things yourself, they kind of assumed you lived in this ideal world, you have infinite time to do all this stuff.

So I took a much more realistic approach: What if I gave myself 15 minutes a day to get away from the computer and work on a project? And I think almost anybody can give himself 15 minutes a day. But it really adds up and after a month or so, that’s a considerable amount of hours that you’ve been able to devote making things.

There was a guy I was reading about in the 1700’s whose wife was 10 minutes late at the dinner table every minute so he took those 10 minutes to work on a novel and he ended up writing 3 very successful novels that way by squeezing in those 10 minutes. I think that’s the trick is giving yourself that time and scheduling it in.

Gerri: In your book, you talked about how when you were making your wooden spoons, you discovered that you could actually do that while you were on a conference call, for example, and concentrate better. So maybe there is some synergy between being able to accomplish other things whether to clear your mind, or find the relaxation that you need if you take on some of these projects.

Mark: Absolutely and you’ll see that with knitters. People who knit say that they are able to really have a much more pleasant conversation while they are knitting and I found that also that when I do work conference calls, if I just sit and carve a spoon it puts you in kind of a slow state or something and I’m much less fidgety and I can really concentrate one that conversation. It’s a pretty cool effect.

You can do this anywhere

Gerri: You aren’t living on a ranch in Montana or out of the woods somewhere. You’re living in a Los Angeles suburbs, is that right?

Mark: Yeah, I’m about a six-minute drive from Hollywood and Vine. So I’m right here in the city, basically up in the hills.

Gerri: You’re doing these kinds of projects in a very urban environment. Do your neighbors, do people think you’re crazy?

Mark: They’re amused by the chickens. When I had the chickens, they got out and were running around on the street and one of the people who lives on the block, he was one of the producers of The Waltons and he was, “hey this is just like The Waltons!” And he got hold of a cam and started snapping some pictures – he loved it.

It’s not always about saving money

Gerri: Some of these projects may involve specialized tools, or they may involve specialized materials. What have you found in terms of the financial payoff or the financial cost in your DIY projects?

Mark: That’s a really good question. It’s kind of a yes and no thing. No, it’s not going to save you money compared to something that you would buy. If you were to build your own television set it would cost a lot more money to buy the part than it would to buy the TV off the shelf. It’s usually cheaper to buy in almost every case.

But, if you look at making as a hobby that is really rewarding and a way to spend time, it’s going to be less expensive than going out at night and spending a lot of money at a nightclub or taking an expensive vacation or something like that. As leisure activities go, you can make it pretty inexpensive. If you wanted to become a wood carver, you could buy an improvised wood carver set under a $100 and it would give you a lifetime of enjoyment. In the end I think it’s an inexpensive and rewarding way to spend your time.

Gerri: And some projects like some of the food projects you’ve done, you may have an initial investment, like building the chicken coop or getting the yogurt maker if you decide to go the route. But it sounds like that in the long run, they can end up saving you money.

Mark: Yeah, definitely, one thing that I’ve started doing is roasting my own coffee. And there’s a way that you can do it using an air popcorn popper. There are tutorials online that show you how to do it and the cool thing is that green coffee beans, unroasted beans are a lot cheaper than roasted beans. They’re about $5 a pound that’s comparable to, comparable roasted beans would be about $15 a pound. And green beans will stay fresh for about a year or two so you can keep them by yourself, 10 pounds of beans and then roast a batch whenever you need fresh coffee and you will have the freshest coffee ever and you’ll save money.

Gerri: I really appreciate your book and recommend it. I also love your blog at boingboing.net. Can you give us more places that you recommend that anyone who’s interested in DIY should visit?

Mark: Sure, well I think makezine.com has a lot of really good recent resources that will show you how to make different projects, lots of tutorial videos that can help you get started, information about Maker’s Fair, which is our twice annual fair, that has a 100,000 attendees who come to see this giant-like science and creativity fair. It’s really fun.

And another really good website is instructibles.com and that’s where people upload instructions on things that they’ve made, all sorts of gadgets from beer coolers, built-in wagon to really neat kind of kites, all kinds of projects. I think those two right there will keep you busy for at least a couple of weeks.

Listen to or download the complete interview with Frauenfelder here: download

You can also listen to or download an interview with Consumerism Commentary’s Flexo here: download

Editor’s note: I’ve been a fan of Mark Frauenfelder since I discovered BoingBoing many years ago. He was a guest on the Consumerism Commentary Podcast, as well, in 2009.

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Will You Buy the iPad 3?

This article was written by in Consumer. 16 comments.

All signs are pointing to Apple releasing the latest iteration of its popular tablet this coming week. I gave in last year and purchased the original iPad, and I made this decision just days before the iPad 2 was announced. Now, tech geeks are expecting the iPad 3 to hit to streets this week. The iPad was my first Apple-branded product. I’ve never been a fan of Apple’s computers, with my objections stemming from everything from the keyboard layout to the graphical user interface. Nevertheless, I’ve used the iPad almost daily.

I won’t upgrade yet I’m satisfied with my original iPad, so I see now reason to spend money on the latest device.

iPadAre you planning to buy an iPad 3?

Here are a few articles I’ve discovered recently that I’d like to share.

Neal from Wealth Pilgrim has reviewed the social lending website, Prosper. Peer-to-peer and social lending is an intriguing idea. I think tools like Prosper, helping borrowers and lenders work with each other without layers of third parties like banks, are needed. It’s slightly more efficient, but not free from regulation. Without a trusted party between borrowers and lenders, large-scale borrowing and lending would be risky. At the same time, most financial institutions have too much overhead.

Social lending isn’t perfect. I couldn’t loan money to a friend at a decent rate through either Prosper or Lending Club because the state in which he lives has anti-usury laws that prevented a loan at the interest rate he qualified for. I couldn’t easily and directly invest in a basket of loans through a service because the state in which I live wasn’t ready to allow this type of investment opportunity.

Jim from Bargaineering explains how to print USPS postage at home for free. I didn’t take this approach a few years ago when I was selling old text books online through Amazon.com; media mail rates was not available for online printing. Now that media mail rates are available, it is easy to save money printing postage online for those who ship books, CDs, and video often.

The latest Carnival of Personal Finance was hosted earlier this week on Well-Heeled Blog. The Carnival included a number of excellent personal finance articles, as well as my article about modifying your behavior to improve your finances. The Carnival followed the Little Price’s journey to financial enlightenment. It’s always fun to read a Carnival that has an entertaining theme.

Photo: Veronica Belmont

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Your Dream Wedding: When to Save, When to Splurge

by Guest Author
The wedding bride

This is a guest article by Jennifer Calonia, Junior Editor at GoBankingRates. In the article, the author helps couples in search of their dream wedding decide which expenses are worth paying more money for. The pressure to plan a perfectly executed wedding is a monumental undertaking, especially for those lacking a savings fund or a ... Continue reading this article…

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Improve Your Child’s Cognitive Ability for Income Potential

by Flexo
Rubik's Cube

There’s a chance you could become a multi-millionaire after repeatedly slamming your head into other people and suffering through the resulting mini-concussions and minor brain damage, but not everyone can be a professional football player in the NFL. There’s a safer and less harmful path toward financial independence. Cognitive ability is an important part of ... Continue reading this article…

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Podcast 144: Best Things to Buy During Winter

by Flexo

Today on the Consumerism Commentary Podcast, Bryan J Busch talks to Andrea Woroch, consumer savings expert. They discuss when and why it can be smarter to shop for certain items during the winter. Consumerism Commentary Podcast Best Things to Buy During Winter: S06E17 / 170 Download – RSS – iTunes Table of contents [00:00] Introduction ... Continue reading this article…

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How to Love Cooking

by Forest
Toast

This is a guest post by Forest from Frugal Zeitgeist. Forest writes about frugality, finance, minimalism and lifestyle. In this article, Forest shares his experiences in the kitchen. Cooking great meals is a great way to save money and stay healthy, but it’s a skill that I haven’t developed for myself. Passion can boost motivation, ... Continue reading this article…

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