I can't imagine commuting for work.

My 'daily commute' from home to office consists of less than a mile; 15 minutes on foot, 5 in the car.

Yet hundreds of people who live here in Cranleigh get in the car each morning, drive to Guildford, park in the station car park, and then endure the 35 minute train journey into London Waterloo.

The cost of a yearly season ticket for that experience? Currently a snip at £3,496.

Season tickets and other regulated rail fares are in the news this week following the publication of inflation figures for July. These are used as the basis for increasing season ticket prices next January, and came in at 3.6%.

It means the £3,496 season ticket from Guildford to London will likely rise to £3,601. Add another £1,800 for a yearly ticket in the long-stay car park there and you become a member of the no longer quite so exclusive £5k commuter club.

I can only think of a limited number of good reasons for forking out this much cash each year (and putting yourself through the misery of crowded carriages, overrunning engineering works or the wrong type of leaves on the line).

If your return on investment is a multiple of the total cost (including your time) of commuting, due to highly paid work only being available in central London, it might make financial sense.

If there are no jobs available locally that suit your skills, experience or ambitions, it might make sense.

If you dislike spending time with your significant other or children...no, that's probably not a good reason!

As part of a comprehensive Financial Plan, the cost of commuting and future inflationary increases, should be a consideration. 

Don't just factor in the cost of commuting in monetary terms, but the impact of scheduled journeys and unexpected delays on your time and health too.