Do you use your bike for chores that others drive to (and perhaps you used to)?

If so, you must figure in as a positive the savings in gas and auto wear, insurance costs (less mileage), etc.

What about global warming? You (and many of us) are reducing global warming by our use of bicycles instead of cars at times. On a macro basis, this is slowing global warming, and there has to be a contribution of $ saved from any negative effects on global warming.

Then again, perhaps global warming saves money (less fuel heating costs? [but don't forget greater air conditioning costs]).

Goodness, one could spend all day figuring this stuff out.

I think I will go for a long bike ride and contemplate this issue.