Whether you get around New York by train, subway, or car, it is a commute that can cost you time and money.

With school back in session it is a busy commute these days, but Caleb Silver, editor in chief at Investopedia, says we are still not back to pre-pandemic levels when you look at the tri-state area.

Silver saying, "... at the LIRR, 85.5% recovery from pre-pandemic levels we are not all the way back there yet. Metro North around 75-76%, the subways are only around 70.5% capacity, it feels like they are at full capacity especially at rush hour, they are not. And the PATH train only 67.5% recovery from pre-pandemic levels."

Driving is another way to get around New York and News 12 is learning that the market for buying a car is changing.

Brian Moody, executive editor for Autotrader and Kelley Blue Book says, "today there are more choices because there is an abundance of both new and used cars. So that's the good news, the bad news is that interest rates remain high."

Still, he says there are some manufacturer sponsored incentives where you can get zero percent financing. Moody says, "...but it's not across the board by brand. So if you were shopping for a Toyota let's say, it would be only specific Toyotas, same with Honda, same with Ford. So you might go to the lot and see, this car zero percent financing available the rest of these don't."

He says do your research and know your credit score.