It might start with a few extra pounds around the waist, becoming slightly out of breath climbing the stairs, or noticing that carrying shopping bags is a little harder than it used to be.

On their own, none of these seems like a big deal.

But over the years they can add up to type 2 diabetes, heart disease, arthritis, osteoporosis, loss of muscle, reduced independence and a greater risk of falls. Suddenly, the real cost isn’t measured in pounds and pence, but in hospital appointments, medication, pain and missed opportunities.

There’s also another cost that is much harder to measure.

Imagine you’ve finally retired. You’ve got the time and the money to travel, take up new hobbies or spend more time with your family. But your body won’t let you.

That holiday you’ve always dreamed of becomes too demanding. Playing football with the grandchildren becomes watching from a bench. Long walks become short ones, then eventually none at all.

The opportunities are there, but your health has slowly taken them away.

The encouraging news is that investing in your health doesn’t have to be expensive.

Walking is free.

Bodyweight exercises cost nothing.

A good night’s sleep has no charge.

Eating more vegetables often costs less than buying highly processed convenience food.

Some people still choose to invest in a personal trainer. Not because it’s the only way to get fit, but because guidance, accountability and a structured plan can help them achieve results more quickly and stay consistent.

The reality is that your future will cost you one way or another. You can invest a little time, effort and perhaps some money in your health today, or you can risk paying a much higher price later.