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I commute into London from about 60 miles away. It costs me either ~450£pcm or ~4600£pa, depending on if I get the monthly or yearly season ticket, and the journey is 30 minutes (if I make it onto my regular train). My employer essentially loans me the money to by the annual season ticket, and it's deducted from my wages monthly (this is a pretty common system in London).

A standard peak time return for my train into London is about 22£, according to the National Rail season ticket calculator the average journey price on the annual ticket is only 9£, so a pretty reasonable saving if you're going every day.

This is without the tube ticket (which is an add-on option on regional trains going into London), so I spend about 75-100£pcm on that as well, with contactless payments.

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