SC - forget about gym memberships and treadmills if those aren't in the cards right now financially. Get out and start walking. Brisk walking for 1-3 hours (of course be careful and build up to that) will yield enormous health benefits. Google exercise bands too. A few bucks for 3 or 4 large rubber bands and you have a kickass full body workout. Pushups and situps also free and amazing for your overall fitness. Finances do not stand in the way of fitness. Good luck. And you are not a loser at all.