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    How to Hack New York City Subway Costs

    1. Anne Marie

      March 25th, 2015 at 7:27 am

      To the credit of the MTA, they are late because more people are riding it, but Albany steals their money. Governor Cuomo actually vetoed a bill that would prevent him from raiding the MTA’s piggy bank at his discretion for upstate pet projects. If the MTA was actually properly funded by Albany (as the state lawmakers actually manage NYC’s transit sadly), major capital projects like replacing tracks, signals, and water pumps would progress at a much quicker pace and the trains wouldn’t be so delayed. So moral of the story is blame Albany lawmakers for all those time you’re late on the subway.

    2. Holly@ClubThrifty

      March 25th, 2015 at 8:10 am

      While I’m sure it’s not nearly as expensive as having a car and paying for parking, that seems really expensive! I don’t blame you for biking it instead. You’ll get your workout in at the same time too!

    3. Stefanie

      March 25th, 2015 at 8:38 am

      Certainly cheaper than a car, but I always figure those savings go to the higher rent. Biking is great in spring and fall. The last few months were too snow crazy and the thick of summer gets a little gross, but I do as often as I can.

    4. Brian @ Debt Discipline

      March 25th, 2015 at 8:36 am

      We often walk when we are in he city, but have jumped on the subway to get somewhere faster or back to Penn station after a long day. I guess it’s better then a taxi. 🙂

    5. Stefanie

      March 25th, 2015 at 8:39 am

      At this rate, taxis can actually make more sense if you have enough people sharing the cost.

    6. Tonya@Budget and the Beach

      March 25th, 2015 at 10:19 am

      I can only imagine the pain of losing the card! It must be the equivalent of us car drivers in LA getting a parking ticket. Happens all the time and you know better, but sometimes you still slip up. After 2 years and 5 months, I just slipped up. 🙁

    7. Stefanie

      March 25th, 2015 at 1:30 pm

      Oh no 🙁 One time in two and a half years is pretty impressive.

    8. No Nonsense Landlord

      March 25th, 2015 at 7:32 pm

      I would be worried about crime on the subway. Or someone throwing me on the tracks as i have read about lately.
      Why not just jump on the subway without paying. I have heard the cops are not enforcing that anymore?

      If you lose your “all you can eat” card, they should give you a new one with a pro-rated amount to finish the month. And it should be instantaneous.

    9. Stefanie

      March 25th, 2015 at 8:19 pm

      The subway is not dangerous at all. I’m worried about crime on the train about as much as I’m worried about my plane crashing. As for jumping turnstiles, it’s a big no no. I’ve seen people get caught.

    10. Broke Millennial

      March 26th, 2015 at 11:34 am

      Agreed. No fear about riding the subway (I feel more unsafe in a car). And for sure people get caught jumping turnstiles. A friend of mine jumped one because the train was coming and she couldn’t find her metrocard. Ended up costing her over $200 in fines…

    11. Leslie Beslie

      March 26th, 2015 at 11:47 am

      After spending 6 years living in NJ and driving around their highways, riding the subway is a breeze. Being stuck on a train is no worse than being stuck in the non-stop construction always happening on highways (and always at 6p on a weekday). So I don’t mind because the alternative is the same.

      The cheapest way to get around the city would be buying your own bicycle. Even for a few hundred dollars you’ll make that up in savings in no time.

    12. EL @ Moneywatch101

      March 26th, 2015 at 1:01 pm

      I think it makes sense to bike it from March till October, and the times you need to go farther away like far rockaway, then just take the train. It will lower your annual transportation costs if you only use the train in the winter. Good hacking tips by the way. I only go on the train 2-3 times a year.

    13. Shannon @ Financially Blonde

      March 26th, 2015 at 3:08 pm

      I always hate thinking about all of the money I have lost over the years with the change that was left on old subway cards that I lost or threw out because they only had a small balance on them. It stinks to pay $5.50 round trip to get somewhere especially if you do that everyday but our metro system is still way better and more cost effective than other cities. I am always shocked at how much it costs in San Fran or DC to get anywhere, especially because they charge you more based on distance instead of the flat fares you get with your NYC ride.

    14. Pipera

      March 26th, 2015 at 6:10 pm

      The train is still a safe and fast way to get anywhere in the city. The transportation costs will always go up. The older the infrastructure, the higher the maintenance costs and number of problems.

    15. brandi

      March 26th, 2015 at 8:34 pm

      The subway is still way cheaper than a car, even when you only look at the price in gas. I spend atleast $100/mo in gas, and i have a commute less than 10 miles each way.

    16. SBO

      May 17th, 2015 at 10:12 pm

      Thank for sharing.
      It is very useful.

    17. How Much Do You Need to Live in New York City?

      June 14th, 2015 at 1:58 pm

      […] Transportation: $116.50/month. Unlimited Monthly Metro Card. […]

    18. How to Save Money In New York City

      September 28th, 2015 at 9:00 am

      […] it makes sense to pay for an unlimited pass or pay per ride. Check out this complete guide to hacking the New York City subway to score the best […]

    19. sorabji

      October 4th, 2015 at 6:50 pm

      My favorite MTA hack involves the bus. I make quick trips to Midtown and back from Long Island City spending only one fare. I take the bus over and the subway back (or vice-versa). If I make the connection within 2 hours of when I swiped the Metrocard then the transfer to a bus back to LIC is free. It obviously won’t work for every situation, but if a bus line runs along a route similar to the train you usually take then it might be worth exploring.

      I’ve met so many people who say they simply will not take the bus no matter what, even if it would get them to their destination faster than a train and let them off right at the front door of where they are going. People are strange like that. And I’ve never really gotten a straight answer out of anybody as to where this stigma comes from.

    20. Stefanie

      October 4th, 2015 at 7:40 pm

      Sweet hack! Thanks for sharing!

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