Exercise at a steady pace that is effective.
Exercise does not have to put a strain on your wallet. Think twice before buying expensive equipment or health club memberships unless you are certain you will use them regularly. There are plenty of other activities that can be done with no extra cost to you (e.g., walking).
Stick with it. If you exercise regularly, it will soon become part of your lifestyle. Make exercise a lifetime commitment. Finding an exercise "buddy" will also help you stay motivated.
Keep an exercise record. This will allow you to see your progress.