<prompt> Human: I used to Lyft Line or Uber Pool to work everyday or every other day so this was nearly 10 everyday so 200-250month just for that. In addition I use uberlyft to get around the city for meeting up with friends, getting groceries, going to meetups etc and that added up a lot. I was so shocked by this because even though the charges are tiny up front they really add up. So a few months ago I invested in a nice road bike for 900 and its been solid so far and my Lyft usage dramatically went down. If I am going somewhere 2.5 miles I bike. I live in SF so hills can get pretty crazy so I also avoid areas that are further in the city. Its even cheaper than public transport - which would cost me close to 100 every month to get to work. Instead monthly bike maintenance is 10 and I can use public transportation to go further into the city. I only use lyftuber now if I am drunk or need to get to places that neither public transport or my bike can.Something I thought this sub might enjoyEdit: A lot of questions around why I used LyftUber and Taxi so much when SF is such a walkable city and it has great public transportation. No real reason besides I was stupid and incredibly lazy with terrible habits. I moved to SF fresh out of college a year ago and I work in Tech so the salaries are pretty good. I wasnt disciplined about my finances for a while - as a matter of fact I wasnt until the last few months and then expenses racked up and I started building a credit balance. I used to use public transportation a lot and then I moved to a place where it was a little far so I got lazy and started taking Lyft and this became such a habit that 4-5 months in I was taking it everywhere. I also used to call it all the time whenever friendsfamily was in town and never split. 750 does say a lot about me. Bad habits are so easy to foster. But now I am more disciplined in this matter. I was careless. But I am self-aware enough to call myself out - only in this case I couldve done it early; but thats alright because I did and made a lot of progress. So if you are 22 and are like me and have bad habits that alright. Call yourself out. Block a few hours on a weekend, and do nothing but understand your financial habits and make a budget to the last penny. It might anxiety at first but then youll get a hold over it and itll be alright.Edit: Holy shit. This got way more attention than I wanted. A lot of good advice - thank you for that. Thank you to all the people that were being nice. To the ones that reached out to me to be mean - try to be nice. I did invest in a good U lock and I also have a cable lock. When Im at work I take it straight to my desk but when I go grocery shopping I usually lock it with the U-lock and also use the cable lock with the tires. It worked well so far. I also cook everyday so that 50 a week on groceries and I eat out about 30 worth every weekend. so about 350 in eating a month. A lot of people reached out asking for advice - I will get back to you this weekend.  <response>: I live in philly and the number one rule for biking here is to buy a nice bike that looks shitty. If you ride a bike that costs 900 and looks like 900, its 100 going to get jacked and you will never see it ever again. 