Losing Fat is not easy and it's not cheap. Let's look at some of the costs of losing fat.
It is going to take time to get in shape. I've said before that you cannot expect a magic pill to instantly solve your fat problems and get you in shape. It's not going to happen. Even 'quick fixes' like Gastric Bypass surgery are not without their costs. It is going to take you time, potentially a lot of time, to lose all that fat. You didn't become overweight overnight. It took months or years to get yourself to the point you are at now. It could take you months are years to get yourself back from that point.
In order to lose fat, you need to go to the gym, basically every day. This can easily take an hour or so from your day ever day. You may be saying "I don't have the time to go to the gym! I'm too busy". Bull. If in the evening you come home and sit in front of the TV for an hour, why not turn off that idiot box and go to the gym for an hour instead? Instead of wasting an hour sitting on your butt doing nothing, you could be spending an hour working out or doing some cardio exercise. Spend an hour a night doing something good for yourself, rather than 'vegging' in front of the tube. There are these wonderful inventions called VCRs (or Tivos) that can record your favorite shows so you can watch them when you get back from the gym. Don't be a slave to your TV. Make it a slave to *you*.
Another way time becomes a cost is in the area of planning. You must have a plan of attack in order to lose fat. You have to spend time planning out your day in order to make time to get that visit to the gym in. You have to spend time planning out your meals for the week. I personally prepare a week's worth of meals at once and then just stick them in the fridge. Every day, I pull a couple of meals out, take them with me to work, and then nuke them in the microwave. I find that an hour a week preparing your meals will 'buy' you another week where you won't get fat. If you already have your meals done a week ahead of time, you don't have to worry about what you are eating, so you know you won't cheat and get fat. Plus, I've found that preparing meals ahead of time, saves me time. Would you rather spend 1 hour a week preparing a large number of meals, or would you rather spend 1 hour every night preparing the same meal over and over again? I find that I have more free time in the evenings this way. Heck, that hour a night you just saved preparing meals can be spent at the gym. You just found a way to fit the gym into your schedule without losing any free time in the evening!
Losing fat is not cheap. It's a sad reality in today's society that eating bad is cheap, and eating healthy is expensive. You can go to the McDonalds around the corner and spend 5 bucks on a quick, very unhealthy meal that will make you fat, or you can spend the money (and time) to go to the grocery store, buy all the healthy foods you need for the week, go home, cook them, and clean up afterwards. Also, healthy foods tend to cost more in the store. I suspect this is because healthy foods aren't as popular, so they don't sell as much. A package of brown rice costs a lot more than the same size package of white rice, even though white rice is just brown rice with all the nutrients removed! Why is this? Because stores sell a lot more white rice than brown rice, so they can afford to sell it cheaper.
Another area where losing fat is expensive is in clothes. I personally see this as a 'pleasant predicament'. When you lose fat, all your fat clothes are going to get too big for you. Once your weight drops a good 40-50 lbs, you are going to find that you need to buy all new, smaller clothes, because your old clothes are just to big and baggy on you now. Once you get in shape, you'll be amazed that those 'huge' clothes ever fit you. They'll look so gigantic. You'll need to buy new jeans with smaller wastelines, new shirts in smaller sizes, likely new underwear in smaller sizes, and perhaps even new shoes in smaller sizes! Over the course of the last 4 years of my getting in shape, I've literally thrown out all the clothes I own, in favor of newer, smaller sizes. There is one problem with buying clothes when you get in shape. It gets really hard to find clothes that fit! Once again, it goes back to the fact that most people these days are overweight. Clothing manufacturers and stores know this, so they produce and sell more large sizes than 'small' sizes. When I was overweight, I wore extra large t-shirts. Those are a dime a dozen. Now that I've lost fat and wear medium size t-shirts, they are VERY difficult to find. Go to the average store and look through their shirt section. You'll find hundreds of XL shirts, but only 1 or 2 mediums scattered amoung them. It takes a lot of hunting (and time) to find the clothes in sizes that fit you.
There are definate costs involved in losing fat, but I feel that these costs are more than worth it, considering the benefits you'll will receive.