Utilizing what little findings I've drawn from site analytics, the average am.fm.pm reader makes under $30K a year, and lives in a metropolitan area.

You are also white and use Firefox, but that's neither here nor there.

My boy Ben (of Mr. Professor fame) has just released a new iPhone app with cost conscious city-dwellers in mind. MetroCost calculates just how much coin you're dropping with an Unlimited Ride versus a Pay-Per-Ride MetroCard- "All you need to do is swipe across the (picture of a) magnetic strip each time you ride, and MetroCost will do all the math for you."

Better yet, MetroCost is customizable for any transit system, so whether you're sick of scraping quarters for your Charlie Card OR Muni pass, it's got you covered. Simple, smart application for broke, stormy days. More info here.