On my way home, I sometimes pass a fellow worker getting off the bus on the edge of the city. I recently asked him how much his bus fares cost him. He told me and when I equated the cost to a shade over £800 a year, he looked surprised'; he pays a monthly season ticket and hadn't extended the costs. I said if he bought a bike at about say £500, especially on the Bike to Work scheme, add the bits & bobs; bash hat, weatherproof coat & rucksack or pannier, he saves about £300 in year one. After that, allow about £100 a year for servicing & consumables, then saving £700 or so every year after that. He even admitted that the bus is sometimes late and occasionally doesn't turn up at all. After looking embarrassingly convinced by my financial logic, he admitted that perhaps he is just too lazy - ! At least he's honest - !