Start a walk/run program
A great goal is to walk for 30 minutes a day and build on that. Or maybe you want to start running. Plan a 30-minute session, and break that session up into manageable pieces: Jog for five to 10 minutes with a two-minute walking break. As your fitness improves, run longer and walk less. The next thing you know, you'll be running for 30 minutes without stopping. You can do this with any cardiovascular exercise, because this type of interval program is easily applied to any activity.

The next step in goal-setting is to plan on participating in an event, such as a 5K walk/run, or go on a vacation that includes hiking. Now you have something to work toward. Just don't schedule it too far out -- you want to maintain your motivation. Let's say your long-term goal is to run a 10K in the next six months. A great way to build toward that is to participate in a couple of smaller events along the way. As you complete those events you'll build confidence for your longer run, and motivation to keep you on track for achieving your goals.

Mix it up
I find that doing one type of activity can become monotonous, so I always try to mix up my exercise program. The foundation of my exercise lifestyle is resistance/strength training. I cannot stress how important it is to maintain a strength-training program, especially as we age, even for performing basic, daily activities: climbing stairs, picking up the laundry basket, carrying groceries, doing yard work.

An ideal program would include a total-body workout involving exercises that use only your body weight, plus some dumbbells or barbells. Do as much as possible away from machines. The more that you stand on your own two feet to do your strength training, the stronger and healthier you'll be. A personal trainer can help you find the exercises that will best suit your abilities.

The more the merrier
Whenever I really need a kick in the butt, I always work out with a friend. It's the perfect way to spend quality time with someone -- and you'll both benefit physically. Not only are you accountable to that person, but you can motivate one another. And don't limit yourself: The more the merrier. I have taught a women's strength-training class for five years, and I find that the women who attend my class regularly do so because they like the camaraderie and motivation they get from one another.