Cashing out for some exercise

My exercise routine is getting old. I don’t have a membership to a gym, so I’m stuck with coming up with creative ways to get some exercise. The other Saturday, it hit me. I should pick up bicycling. This random interest may have come because bicyclists often ride past my house, or maybe I’m caught up in the Tour de France.
The more I thought about it, the more I realized that biking could get pricey. I would need to buy a good bike and of course a helmet. What about bike repairs over the next couple years? I had to ask myself, “Am I up for this physical and financial commitment?”
What do you think – should money be a factor when it comes to finding an activity that is right for you?