Economic moi?

I used to have a yearly tram card, but it ran out last summer. There are alternatives like monthly cards, or clip cards, but I have chosen to buy a ticket only when I need it. Tickets in Zürich are either one-way and valid for an hour, or for twice the price you get a 24-hour ticket. 8.20 CHF. I have become an expert in using those to the limit. Like yesterday evening I bought a ticket going home from the city. Used it again today to go for a meeting. Then I went to pick up colour samples from the paint shop, and then home. On top of that, I also went out in the evening and came home 15 mins before the ticket ran out. Talk about taking care of your finances! If you want advice, I might charge you...