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How to Build a Home Gym for Under $100

We all have the same 24 hours to work with. We all have to make the most of those hours, dividing the time between work, family and, hopefully, seven to eight hours of sleep. Somewhere in the pie chart of our time we need a small slice for fitness. If you only have 20 or 30 minutes for a workout, you should not waste those precious minutes trying to get to the gym.

Creating a functional home gym is less expensive than you might think. For $100 or less you can get everything you need to make the most out of your workout time.

Before you rush to your local sporting goods store, start by thinking outside the big box. Craigslist is great place to find great exercise equipment at rock-bottom prices. Most people have the best intentions when they buy a treadmill or elliptical for home, but the reality is most of them end up as glorified clothing racks — and their owners are happy to let you have it, so they can reclaim the space in their bedroom. Check with family and friends, too. Some are even willing to give away a treadmill or elliptical if you pick the item up. While these are not essential pieces, if you find one and think you might use it, go for it!

[Read: How to Save Money on Fitness.]

When clients ask me where I get equipment, I truthfully tell them that most of the time I get it from Amazon. The UPS man hates me, but I can order things like kettlebells from them at a better price than specialty fitness equipment outlets. Make sure you take a few minutes to compare prices, because at certain times of year (like January) you can get great deals from your local stores that will beat online prices.

Ready to buy? Hold on because the first essential piece of equipment cannot be purchased. Your own body is all you need for many challenging exercises. Push ups are one of the hardest exercises you can do, if done correctly. Planks are a great test of core strength and work more than just your abs. Do not underestimate this great tool you already have!

[Read: No Gym Necessary: 4 Anywhere-Exercises.]

Now we’re ready to shop. What other items do you need to purchase?

Stability ball: $20. A stability ball (or exercise ball) adds to your exercise library in two ways. You can do exercises with the ball itself, such as wall squats or hamstring curls. It can also serve as a bench. By using the stability ball instead of a standard bench, you’ll engage more core and stabilizer muscles while performing classic strength exercises such as chest presses and dumbbell pullovers.

Dumbbells (8 to 15 pounds): pair $30 to $40. You’ll also need a pair of dumbbells to start. One good pair of dumbbells allows you to do upper body exercises like the ones mentioned above, as well as adding a new challenge to body weight exercises such as walking lunges or jump squats. Don’t think of dumbbells as a tool you always use as a matched set. Try training unilaterally (a single arm shoulder press, for example) for an extra core challenge. The weight you need to purchase will depend on your fitness level. Most beginners will do well with the weights I’ve recommended; as you get stronger, you can add to your collection.

Kettlebell (15 to 25 pounds): $25 to $30. A kettlebell can serve two purposes. First, you can use it as another dumbbell for exercises such as rows and shoulder presses. Second, kettlebell swings are a great High Intensity Interval Training cardio workout. Make sure you learn to do a kettlebell swing correctly first to prevent injury.

Resistance band, medium to heavy: $10 to $15. Bands are easy to use and store, plus they travel well. They can be used not just for traditional pulling movements like rows but also to create multi-movement exercises. You can stand on the band and do a squat with a shoulder press, or you can anchor it under one foot for a split squat with a bicep curl at the bottom. By using multiple muscles groups in one exercise, you increase burn and save time.

While prices may vary slightly, these four pieces will bring you in slightly under your $100 budget. If you’re new to strength training and not sure how to put your new gym to use, get a copy of my favorite strength training primer, “Weight Training for Dummies.” You’ll learn endless combinations to keep your workouts efficient, fun and functional.

[See: How to Know if You’re Exercising Too Much .]

More from U.S. News

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How to Build a Home Gym for Under $100 originally appeared on usnews.com

Don’t Settle for Student Loans to Pay for Online Education

Online college programs are becoming a more popular choice for prospective students, with one study finding that more than 6 million students enrolled in at least one online course in fall 2015. The popularity of these courses can be attributed in part to their flexibility with working adults' schedules, students' ability to progress more quickly through online programs and, oftentimes, cheaper tuition. [See 10 low-cost online bachelor's programs for out-of-state students.]Online degrees can be beneficial to many college students, but some studies have shown online learners complete their programs at lower rates than students at traditional brick-and-mortar campuses. Individuals with student loans but no degree comprise two-thirds of defaulted borrowers. Though these numbers are not encouraging, just like for traditional programs, there are ways to reduce how much you'll need to borrow for an online program to ensure you won't become one of these statistics. 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Not all students enrolled in online programs are eligible, but students at some schools -- including, for example, SUNY Empire State College and Liberty University -- are. Work-study awards are not given upfront like scholarships and grants. In most cases, they are an offer to earn up to the awarded amount if you secure an eligible work-study job. While there is a misconception that all work-study jobs must be on campus, students can work for off-campus, nonprofit or public employers as long as the work is in the public's interest. You may be able to work for a for-profit employer if the job is relevant to your course of study. No matter who the outside employer is, it will need to have an established agreement with your college for you to receive work-study funds. Remember, to be eligible for federal financial aid, you must be enrolled and pursuing a degree or certificate. If you're not working toward a credential, Pell Grants and work-study won't be option, but you may still be able to take advantage of private scholarships -- just be sure to read the eligibility criteria carefully. [Explore what to know about financial aid in online programs.]-- Pay as you go: One of the great benefits to enrolling online is the flexible schedule, which can allow you to complete your college coursework around your responsibilities. But prospective students often overlook using their part- or full-time job earnings as an option for paying for college. Almost 80 percent of college students in 2015 worked at least part time while attending classes, according to the National Center for Education Statistics. By budgeting and thinking strategically about your college costs, you can likely reduce your dependence on student loans by paying a portion out of pocket. Many -- but not all -- online programs are less expensive than traditional programs and often have shorter payment periods. Six, eight or 10 weeks are common course durations. Because of the frequency of payments in an online setting, you may be well-placed to pay as you go and possibly avoid borrowing altogether. Attending college online and avoiding student loans may be challenging, but if you are willing to put in the effort, you can limit the amount you need to borrow. More from U.S. News Q&A: Understanding Student Loan Discharge Eligibility Student Loan Refinancing Isn't Right for All Borrowers
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