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Staying fit can be expensive. Here's how to do it for cheap.

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Getting in shape and eating well, while you're on-the-go, aren't easy feats to accomplish. Add staying in budget to that list and it can spell financial and fit ruin.

But it doesn't have to be that way. We talked to fitness and wellness coach Stephanie Mansour of StepItUpWithSteph.com about how with the right plan in place, working on your beach bod doesn't have to wreck your personal finances.

Staying fit can be expensive. Here's how to do it for cheap.

WATCH  |  Hack this: Getting fit on the cheap.

Americans spend on average $54 a month on gym memberships, Bloomberg reports, citing fitness industry trade group International Health, Racquet & Sportsclub Association data. But that doesn't count spending on specialty classes like spinning, kick boxing or barre, or workout clothes for that matter.

Mansour says to avoid getting "locked in" to a membership you never use, you should shop around. "The thing is that you might actually get hooked on one of these gyms, and especially after comparing one against the other," she says.

Staying fit can be expensive. Here's how to do it for cheap.

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A 2015 survey from Visa found Americans spend on average a staggering $2,746 on lunch each year. That's about $53 a week. "Small choices have a big impact," Nat Sillin, global head of financial literacy at Visa Inc., said. 

Many people don't realize they're spending that much when they're on-the-go, but Mansour says there are easy ways to not overspend. She suggests tracking your eating, and in turn spending, in an app or journal.

This way you can "get a good handle on what you’re eating throughout the day."

Staying fit can be expensive. Here's how to do it for cheap.

WATCH  |  Hack this: Meal prep like a pro.

Americans like eating out. So much so that from 2015 to 2016, Americans spent $54.8 billion at bars and restaurants, which is a good amount more than they did on groceries ($52.5 billion). But all that takeout and eating out can put a serious dent in your budget. And meal delivery services know it.

Whether you eat out or opt for a meal delivery program, Mansour says you need to know what to splurge on, where you can save and how to stretch your food by planning your meals in advance.

"If you fail to plan, you plan to fail," she said.

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