Fitness tracker

Walking has great value – not just to your health, or to the environment, but also monetary value. This is because there are a plethora of free apps (or ones you can use if you have certain health/life insurance plans) that effectively pay you to walk.

Getting something totally free is likely to get a true MoneySaver's heart pumping faster than any cardio workout ever could. But, if that's not enough, I've rounded up 20+ ways you can exercise and get fit without spending a penny, both outdoors and at home.

Fitness trackers and smartwatches have become popular accessories over the last few years – Martin himself uses a tracker to tally his average 25,437 steps a day. These days, they’re a lot more than a posh pedometer, but with increasing features have come increasing price tags – with some costing up to £280.