In article ,
David Walters wrote:
Even with zone 1 if all you do is go to work and back by tube an
annual pass can cost more than PAYG. For example zone 1-4 is 2.80
each way on Oyster PAYG which at 5 times a week for 52 weeks is
1456, less than the annual travelcard at 1472.

Since you need to take off 5 and a bit weeks holiday there is some
room for leisure travel and an annual travelcard still costing more.

Factor in the interest, too: either that cash will be earning you
interest or not having to spend it up-front will mean you don't
have to pay so much interest on the plastic.

--
:wq