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Gym memberships and home treadmills can be expensive. Still, that's no reason to skip exercising, Dutta says. You can exercise for free. Walking doesn't cost anything. Look into free demonstration classes at your local senior center. If you want to lift weights at home, use soup cans or milk jugs filled with sand. Use your dining room chair for exercises that improve balance and flexibility. If you have a health problem, insurance may cover a few sessions with a physical trainer or an occupational therapist, says Arbaje. There are lots of ways to get fit at low or no cost.

Exercise Myth: Gyms are for young people.

"The gym scene can be intimidating for older people," says Dutta. Look to see if gyms in your area have offerings for seniors or people new to exercise. If you're retired, try going in the middle of the day, so you can avoid the before and after-work rush. "Find an environment where you feel comfortable exercising," says Arbaje.

Exercise Myth: Exercise is boring.

If exercise is boring, you're not doing it right. Exercise doesn't even have to feel like exercise.

Remember that any physical activity counts. Whether it's catching up with a friend while you walk the mall, or taking a dance class, or chasing your grandchildren, or bowling, or raking, or gardening, or volunteering at your local school system or park, it's physical activity.

"Don’t forget sex," says Arbaje. "That's good exercise too."

The key is to figure out something you enjoy doing and do that. When you get tired of it, try something new. "The type of exercise doesn't matter," says Arbaje. "The best exercise is the one that you actually do."