Keeping your budget and time in mind: Insanity. 40-60 minutes a day and $40-50 from a quitter on craigslist. All you need for insanity is motivation and some cold water; no equipment. People spending $200+ a month on a crossfit membership are just fawking stupid. I've never done it, but I would put insanity (and myself) up against any crossfit workout.
I'm currently doing a mix of P90x (1-2/week), Insanity (1-3/week) and Running (3-10 mile runs, 1-3/week). When theres surf, I surf. If I know its going to be big, I take the day before off.
Also stay active with other things: hiking, mtn biking, indoor rockclimbing, cutting firewood, etc, but I don't count it into my workout routine.
As others have mentioned, I've been a member at a gym in the past (5 years after college). I would lift - bench, curls, pull-ups, etc and then do some cardio. Once I started Insanity, I realized that I was just going through the motions at the gym and only seeing incremental improvements.
Also, eating right. I don't necessarily believe in the 80% what you eat / 20% exercise, but its at least 60/40. If you are working your ass off, eat as much as your body tells you to eat, but make sure its good food.
If you are on a budget check out "You are your own gym" by Mark Lauren.
Can get a copy from wally world or amazon for about 12 bucks. The book is based on body weight exercises that require no equipment and it even has diet plans.
I hit the gym year round but I don't do cardio year round. so I expect the winter months to start feeling gassed during a surf and I put more weight on. But I found that my summer time excersize routine does get me through. so... as the winter starts to wind down I have to kick start my endurance training and I found that adding this routine last year did wonders for me.
So... I hit the gym regularly/year round. around end of march begining of april I skip a week from the gym and work out at home. Here is the routine. simple and kicks my arse.
I do this 5 times with a 2 minute break(monday tuesday thursday friday).
1. 30 pushups directly into
2. 20 leg lift crunches directly into
3. 20 one leg squats (back leg on chair, squatting leg and body over that leg.)
2 minute break, repeat 5 times.
after a few weeks of this in my routine the changes are incredible for me. Lower body strength way up. endurance way up. You should be finished the routine in about 30minutes. The routine will have you totally exhausted, at least for me.
I guard every summer, but in the winter I've been doing a mile run on a track that takes 9 laps for a mile (I know, UNCW has a **** indoor track as of late). In between each lap, on each side of the track I do half the distance in alternating/walking one-leg squats and sprint the second half, rest on the turn, then repeat, then go back to a run/jog. You don't need muscle for surfing, you need endurance. Try to exhaust yourself and recover multiple times. 100% to 30-40% and repeat. Pretty similar to Insanity.