Instead of buying that $3 half gallon of ice cream, I buy a pint of fruit or get some apples. It isn't costing me any extra money, and it is healthier to boot.
I got this heart rate monitor a year ago. I love it. I don't do any exercise without it. It is so easy to use. Plus it is great to see how many calories you are really burning. Highly recommended for first time HRM buyers.