That's true self-employment has it's benefits ) and actually a lot.
However, biking is very good for your health. So don't think about it like transportation , but rather as a training ) if you do sports , you can count how much money it saved you, which you would have spent on gym ))
Another point i would lime to highlight is - most people can't work at home efficiently and i am one of them )) when i work from home i am getting easily distracted and as result i am getting poor results. Much better solution , even if you are self-employed, is to rent a small office and work in there. It should not be like 3 hours away from you, but it should make you spend some time getting there. This is just my personal opinion , and ideas that work for me :)