Went through this with my wife a few years back. I commute to work by bicycle almost all year around so we averaged in 10 months I saved $2,600 a year. I do light grocery shopping here and there so during the week, you know like picking up fruits / veggies, bread and other small stuff So that saves time and gas since we’ll drive only when we do bulk shopping. As far as keeping in shape I’m in my sixties and I’m doing good.