Tip 5: Hang onto a tram

Public transport is taxpayer funded.  Even if you've cleverly engineered your financial circumstances to minimise income tax - by, say, becoming a video installation artist - you still pay tax. All those daily transactions involve a greasy government middle-man taking his GST.
Every pair of Vans includes $10 that goes straight to the government. Every soy latte is another 35 cents jangling in the taxman's pockets.
Don't imagine you've lost those precious pennies just because you are a cyclist.  Public transport is there for you.  Hang on tight as the number 96 ascends Bourke St. You deserve it.
The newer trams are more of a struggle for hand holds as The Man tries to shut the humble cyclist out, but anyone with rock climbing experience will be able to stick a digit in a crack, stop pedalling and benefit from propulsion they already paid for.

BONUS TIP: Wanna prove you've got the juice in your caboose? Take your mountain bike onto the train tracks and hang onto the 9.15 running express to Richmond.