When I try to juggle my full-time job with my freelance writing/blog duties, it’s hard to find time to exercise.  I need to stay motivated and focused.  In addition to my upper body workouts  (every other day), I take a brisk half-hour walk daily.  If you live near a shopping mall, why not organize a walking group? Check with the mall and see if they have special hours devoted to walkers. MayoClinic.com has great advice at http://www.mayoclinic.com/health/walking/SM00062_D.  Oh, if you want to bring your credit card, that’s fine. Buy something and help the economy!