I've been lamenting the demise of my student concession card ever since I graduated from university a few years ago. Gone are the days when I could pay just $45 a month for public transport! But concession prices for adults are much more expensive at $120 each month, so I wanted to take a closer look at whether this would make financial sense or not. For the past 2 years, my average monthly fares is about $120, so the concession didn't make any sense to me. Since paying through ez-link top-ups entitled me to both buses and trains, this worked out to be cheaper than the adult concession which would only be valid for train trips. If you haven't already heard, here's more bad news. Fares will increase by 2.8% from 5 April 2015 onwards.  Simply put, adult fares will increase by 2 - 5 cents per journey ... ...