My real money savings came from an unexpected area: lunch. My company is spread out in about a dozen, one-story buildings on a large campus and has no cafeteria. During my driving years, I just got in the habit of going out for lunch every day. $5-$8 per day is $1000-$1500 per year. Once I started bike commuting, I began taking my lunch, which is much cheaper. Of course, any money saved on gas or lunch is easily offset in gear purchases. :-)