If you've already blown most of your December paycheck on Christmas presents and going out over New Year, it must seem like a long time until the next pay day at the end of January. Even if you haven't over-splurged this year, chances are you're still going to have to do some creative budget stretching to make ends meet this month.
Cut-price gyms According to personal trainer and Simple fitness expert Julia Bishop, most gyms these days are finding it harder to sign-up members, so many offer free day passes. "Even if they don't, say that you'd like a complimentary try-out before signing up - it works," she says.
If the gym is your thing, it's also well worth keeping an eye on MoneySavingExpert.com for its list of cheap gym deals, including how to get your hands on a five-day pass and health check this month at Fitness First that normally costs £25 for absolutely nothing.
Apps, videos and plans To save even more cash there are apps and online fitness programmes you can use at home instead of going to the gym. Lose your muffin top in 28 days, an app by Lucy Wyndham-Read for iPhones, iPads and iPod Touches, has just been reduced in price to £3.49 - download it from iTunes and you be pounds lighter in a month's time. Or for a free 14-day diet with tips from nutrition, fitness and lifestyle experts, sign up for the free Activia TLC Plan.
And there's also ThinQ Fitness, a fitness video website that has lots of workouts you can watch for free. Or take the free three-day trial membership offer at the recently launched ikeepfit.com, where celebrity trainer Nick Mays will put you through your paces.
Healthy eats Lack of cash doesn't mean you have to starve, either. If you're a fan of Japanese food, you can save 402fOnlineHealthCheck off all treatments during January 2011.
Do you have any healthy money-saving tips you could share?