Get, or stay, fit by getting your bike out and pedalling to work to save a considerable amount of cash.

As well as feeling the benefit of the fresh air – even in winter, if you tog up in the right gear – you’ll save bus or train fares, or, if you’re in a car, petrol costs, running costs and parking fees, all of which could add up to in the region of £1,000.

Take your own sandwiches, too, and you could be more than £1,700 better off.