About · Press · Contact · Write For Us · Top Personal Finance Blogs
Featured In:

Ride Your Bike to Work – How Bicycle Commuting & Cycling Saves Money, Mind & Planet

By Jason Steele

bike to work cityI’ve enjoyed cycling for most of my life, but I’ve always considered it just a sport. I rode mountain and road bikes alike, but always for fun and fitness, not for conventional transportation. Any time I considered joining the gang of people who biked to work, I’d always find a good reason – or excuse – not to.

Last year I finally went from finding problems with the idea of practical cycling to finding solutions. The results exceeded my expectations.

Problem #1: Safety

Once I got serious about commuting by bike, I had to get serious about finding a safe route. Whether you work in a busy city or a suburban corporate park, you’ll find hazards in your path. Unless you live and work close to a restricted bike path, you’ll have to share the road with cars and trucks. These challenges require diligent planning.

Solution: Proper Preparation
Don’t assume that you’ll bike the same route that you’d normally drive. Use a mapping tool, like Google Maps, to find bike path information, including restricted and shared paths. I’m lucky enough to live in Denver, a city with designated bike routes, so I have a low-stress ride with reduced speed limits and a protected bike lane.

If you live or work in an area not covered by the major maps, check out a biking community like MapMyRide to find fellow cyclists and ask where they ride. If you can, drive the route once to look for dangers on the road and hidden obstacles. And make sure that you’re geared up for safety. In addition to a helmet, you’ll need functional lights on the front and rear of your bicycle, and a proper flat pack in case you get stranded.

Problem #2: Finding the Right Bike

My road and mountain bikes weren’t fit for daily commuting. Riding my mountain bike on the road was as cumbersome as driving an off-road vehicle on the highway. And taking my road bike to work was like trying to take a family trip in a Ferrari – it’s fragile and built for a nice day on the open road, not a slog through the city. Without racks for storing gear or fenders to block road spray, my light road bike wouldn’t make the cut.

Solution: A Commuter Bike
A cyclocross bike is a durable bike, designed for larger tires than a road bike usually takes. It’s built for light off-road use and easily accommodates racks and fenders. With my 18-mile commute, the cyclocross’s drop handlebars are ideal, but if you’re commuting 10 miles or less, you might prefer a mountain bike’s upright handlebars. Equip it with tires designed for city riding, and you’ll have a capable commuter. A commuter bike isn’t built for style or racing, so you can keep costs down by getting a low- or mid-level model that can take a little abuse.

Problem #3: Mother Nature

Especially in cold winter months, cyclists need to be ready for early nightfall and dark rides. Rainshowers will make your ride tougher; severe rain or snow can cancel your ride altogether. You don’t want to get to work drenched from a rainy ride, and unexpected weather changes in the afternoon shouldn’t ruin your return home. In addition to the rack and fenders on my cyclocross, I needed more gear to make my bike commute work.

Solution: Gear Up
I couldn’t avoid the need to buy some more accessories to survive my commute. I started by buying a headlight and a tail light for dark morning starts and early afternoon sunsets. While you might think that a rear light is enough to let others see you, check your local laws. Many cities require a functioning front light, even if you don’t think you need one.

Next, I bought a bag for my bike rack called a pannier. It’s like a saddlebag, and it lets me carry extra clothes, my lunch, some tools, and other essentials without putting the weight of a backpack on my shoulders. Finally, I picked up a decent cycling jacket and some other clothing odds and ends, like gloves, for riding in inclement weather.

Problem #4: Personal Hygiene

My shower is a sacred part of my morning routine. I’m not even fully awake until I reach the shower, so skipping it was unthinkable. Even if my office had a shower facility available, I couldn’t fathom relocating my morning shower from my home to my place of business.

Solution: A Hybrid Commute
Some people are fortunate enough to work somewhere with a gym and private showers, so it’s easy to recover from your ride and get to your desk clean and refreshed. I didn’t have that option, but I still found a solution.

Biking to public transportation is a good start. I did a little research and learned that there’s an express bus that left for my office from a station not far from my home. The ride to the station is, quite literally, “no sweat,” and all of the buses in my town are equipped with bicycle racks for commuters like me. When I arrive at my office in my cycling gear, I quickly change into the clean business clothes I brought in my pannier. For the trip home, I look forward to working up a sweat riding the whole way back.

If you don’t have a public transportation option (e.g. bus or train), take it easy on the ride in, and give yourself time to cool down before going in to the office. Then you can still get the more extreme workout on your ride home.

The Results

I’m saving a ton of money by biking to work. My express bus tickets cost about the same as gas did, so I didn’t find any savings on that front. But the cost of gas is only about half the cost of operating a car. My car needs fewer tire and oil changes, less frequent maintenance, and it will not depreciate as quickly. These are largely indirect savings, but they are important nonetheless.

If you can bike all the way to your office, or if you’re eligible for free or reduced priced transit passes through work or school, you’ll find more savings. And don’t forget to check in with a tax professional: Many states offer tax breaks for the expenses that bike commuters take on, including part of the price of the bike itself.

I also think I’m saving quite a bit time. Though my bus/bike commute in the morning adds 15 minutes to my journey and the ride home takes an additional half hour, I’m exercising and sneaking in a workout instead of wasting time sitting in the car. In the end, I’m getting more than an hour of exercise a day that I might otherwise not have time for.

The psychological benefits of cycling surprised me the most. After driving the same route for years, shaking up my routine was revolutionary. My commute had become so intertwined with the stress of a work day that starting the day on my bike makes me feel like I’m on vacation.

Finally, I get the smug satisfaction that I am saving the planet. Better yet, I know that I’m a little bit more insulated from fluctuations in the price of oil. If gas hits $4 or even $5, I can curtail my driving even further since I’m no longer locked into a daily commute by car.

Final Word

Bicycle commuting isn’t for everyone. I am fortunate to enjoy cycling and to live in Denver, a city suited for bicycle commuting, give or take the occasional snowstorm. By focusing on solutions to your journey rather than the problems, you can improve your quality of life, your fitness, and your finances.

Where have you tried cycling to work? What problems did you face, and how did you solve them? Share your experiences in the comments below.

(photo credit: Shutterstock)

Jason Steele
Jason has been writing about personal finance, travel, and other topics on blogs across the Internet. When he is not writing, he has a career in information technology and is also a commercially rated pilot. Jason lives in Colorado with his wife and young daughter where he enjoys parenting, cycling, and other extreme sports.

Related Articles

  • http://tmgbooks.blogspot.com tmgbooks

    Even better for the planet is no commute!

    I achieved financial independence a few years ago and have been working from home ever since.

    Most of the time my car is parked; I need to remember to go out and start it once in a while or let my wife drive it.

    I once had a 65 minute (one-way) commute. I did that for 6 months and it was terrible! Even though I commuted with a co-worker to share the costs, I could almost hear the money flying out the window!

    The house we live in now, we bought to be within walking distance of just about everything we need. This is an often over-looked component of financial planning and a real opportunity to save money!

  • Melyssa

    I’d love to bike to work, but my commute is 30 miles each way. Half on country road/city streets, while the other half is on a 2 lane mountain road.

  • http://www.wellnessonless.com/ Stephanie Taylor Christensen

    good for you Jason! My husband also bikes to work every morning. At first he was uncertain if he could stick with it, but now that we’re almost in March, he’s ready to ditch the car forever. Aside from the gas saved, it’s a great way for him to have some “me time”, and like you said, sneak in a workout that he enjoys, and doesnt cost a cent.

  • john M

    Good article. My ride before I retired was about 20 miles each way. I used to combine the ride with a train ride, but that was expensive, so I tried riding the whole way- it was no problem, so I did that for 4 years or so. Plus, my employer paid me $50.00 per month (the cost of a parking space or monthly bus pass). Bicycling was faster than taking the bus, as I would have needed at least 3 transfers. It was even faster than the Metro Rapid bus, and I enjoyed passing the “fast” bus and leaving it in the dust. I carried a change of clothes in my trunk bag, and used a washcloth to clean up at work. I still volunteer at the old job, riding in for fun once a week. Now I use the bicycle to pickup groceries, and find it is really easier than using the car. I am still in good condition, and planning riding my second Century (100 mile) ride this year.

  • MountainMan

    I have been commuting by bicycle 16 miles a day for three years. I sometimes ride the Summit Stage, when the weather turns severe by nightfall or grocery shopping. Racks are only available half the year, never past sunset, and routes do not match my schedule so it is either impossible to ride the bus or faster to ride my bike. My trip to work is a half hour, while the climb back is an hour. On the Ten Mile Canyon Trail at 4:30 AM, I have met elk, stopped for beavers crossing with trees, mountain goat, foxes running beside my from wheel, a bird hit me in the face, a bat grazed my head, marmots sometimes run across, and six porcupine have made a habit of grazing the grass while enjoying the warmth of the pavement. When the unmaintained trail is covered in snow, I ride the shoulder of the freeway, when it is cleared, which is very safe at 4:30 AM on clear days. I wear three red flashers and two higher-powered forward lamps. I avoid riding Officers Gulch on snow days, since about forty car accidents occur on a half-mile stretch every winter. I continue to advocate intermodal transit issues with CDOT, County Road and Bridge, and Summit Stage. Under our new health plan, I need to climb a Fourteener almost every week and ride my bike fifty miles a week in order to qualify for $500 annual “Wellness Award” for my deductible account, so bicycle commuting serves as a practical form of exercise.

  • http://www.hutong-school.com/learn-chinese-in-china/ Learn Chinese in China

    Riding a vike to my work saves me a lot of time! As it’s easier to get to the office by bike than by any other vehicles and plus you don’t have to wait for the bus or train to arrive. And always canbe sure that you will arrive on time! Besides, riding the bike gives you the feeling of freedom, as you don’t depend on anything else!

  • Charlie

    Sometimes reading stories about others bike commutes makes me feel “I could never do that”–this is one of those stories. One day a year ago my car was getting repaired and I took my old beater bike to work. I was pleasantly surprised by how much I enjoyed the ride and how easy it was. I live in suburban Portland Oregon a very bicycle friendly community so there are lots of friends, tolerance of bikes, and bike shops with some great folks to pick used higher end bikes for pennies on the dollar. It didn’t take me long to love my commute, I work at two different workplaces, half the time it’s 9.5 miles each way on an 8.5 mile dedicated paved bike trail and one mile of bike lane on surface streets with very safe bike lanes. The other commute is five miles each way, with three miles dedicated bike trail and a half mile of single track. I threw a milk crate on the back of my bike and cover by backpack in plastic bags. Went to rei got a nice light for my helmet, a good taillight, and foul weather gear and waterproof shoes. It’s pretty warm all winter albeit with much rain and early darkness, so weather’s not an issue other than fog really. Easy, easy, easy. Shower at work and off for the day. Countless bald eagles along the route, only danger is I almost hit deer two separate times. We didn’t even know we lived near these trails. Amazingly I hardly ever see any others people on the trails at all. By the time I retire 30 years from now I suspect the trails will be much busier.

The content on Money Crashers is for informational and educational purposes only and should not be construed as professional financial advice. Should you need such advice, consult a licensed financial or tax advisor. References to products, offers, and rates from third party sites often change. While we do our best to keep these updated, numbers stated on this site may differ from actual numbers.
Advertising Disclosure: We may have financial relationships with some of the companies mentioned on this website. Among other things, we may receive free products, services, and/or monetary compensation in exchange for featured placement of sponsored products or services. We strive to write accurate and genuine reviews and articles, and all views and opinions expressed are solely those of the authors.
Links monetized by VigLink