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If you can afford to save then I highly recommend you to save up for classes. Not just for the exercise aspect but (primary) as a safety measure.
Floating around on ones back is seriously underrated. You just drift around a bit, relax and disconnect for a bit.
Firm supporter of local stores and businesses. It also does help that I have a few good places in walking distance and a healthy city centre. So if I want and weather permitting I can sit on their patio and wave to acquaintances.