All this comes of having a job in London but choosing to live outside - yes I know you really don't have much choice, but it's sickening to see the blatant rip-off of commuters by TOCs and the amount of time and money wasted in awful travel. At the same time London itself has the cheapest and best bus network in the country (if you use an Oystercard) with decent evening frequencies.
I'm fortunate living in Manchester, I have a Stagecoach Megarider costing £11.50 per week, can use it anywhere in the south part of Manchester and lend it to my wife if she needs to go into town as it's sold by the driver without a photo; if I lose it no big deal.
Not valid on trains of course!