The need to exercise doesn't disappear when the temperature falls below freezing. But it can be far more challenging to exercise in the winter — especially in January when the gyms are still full of resolutioneers. (Most if them will be gone by March.)

So what do you do?

My go-to exercise is running. I hate treadmills, so I prefer to run outside. Of course, during the winter, outdoor runs are a challenge. All too often, sidewalks and running paths are covered with snow and ice. Late sunrises and early sunsets make it hard to get a run in before or after work.

You can work out at home if you have some basic equipment like weights and a mat. There are many exercises that require nothing more than your body weight. Think squats, wall sits (if your home does not have walls, consider moving), plank, push-ups, crunches.

A workout DVD can be a big help for some people. In addition, many cable systems offer "on-demand" workout videos either free or by subscription. 

Finally, you will need to use good days wisely. If you have decent weather on a weekend, you can wear appropriately layered workout clothes and get out there.