Walk. Or bike. It’s better for you and cheaper.
Can’t ride to work? That’s fine. Bring your bike to the office and leave it there. Use it for errands or a lunch time ride.
Can’t bring your bike to work? Walk when and where you can instead.
Cycling and walking is more cost effective for your community too. Biking saves money while driving costs us all according to this article on Grist.org
So as the weather improves, think about two wheeled and two legged transportation. It’s a debt defying act we can all afford.