BOSTON (CBS) – Did you wake up on New Year’s Day and realize that you will never belong to one of those polar bear clubs where they go swimming in January.

[Audio|titles=Get Fit|artists=Dee Lee]

It is not the freezing weather that is preventing you, it is the Speedo. You no longer skinny-dip; it is more like the chunky dunk!

In a recent survey, the National Center for Health Statistics found that only 19% of Americans do three or more workouts a week. Be realistic about this goal. Any activity is good. Park your car at the back of the parking lot if it is safe and add a few minutes of walking.

Take the stairs instead of the elevator if you can. Sometimes those stairwells are scary. If that’s the case, take the elevator!

If money is not a problem, join a gym. Look for a gym that you can do a month-to-month membership. Also, ask them for a week long pass so you can check out the place. Gyms intimidate me with all of their equipment. Have you noticed that people using these gyms look like they don’t need the gyms!

Also, look at the classes they offer. May be easier to do a yoga class and a spin class than to try and work the machines.

If you can afford it, hire a personal trainer. Paying someone to make you sweat may be motivation enough to stay on course. If you watch the TV show, The Biggest Loser, they eat less, change their life styles and include exercise in their daily routines with the help of trainers, really very mean trainers! Please note that the contestants exercise 6 to 8 hours a day.

If your budget is flexible, how about a treadmill or bike for your basement? At our house I have an old treadmill, a new recumbent bike, a mat for leg lifts, some free weights and a VCR connected to an old TV, which has to be whacked with a rubber mallet to start. That’s my indoor gym!

If the budget is really tight and you don’t mind the cold walk outdoors. I prefer to be outdoors but I hate to walk with frost building up on my face mask as I walk. So I retreat indoors for most of the winter.

The malls are also available for walking but you will need to drive there. Go with a friend, you’ll be more committed if you have to pick someone up every morning.

One more thing: Keep a log of how many miles you have walked. My goal this year is to walk 500 miles. That’s not as hard as it seems. If I can do 2 miles a day and walk for at least 5 days a week that gets me to 520 miles for the year. So far I am on track!

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