My plan, which I have done earlier, was to buy something like this for around 60-70USD and ride it for 2-3 months till my enthusiasm starts to wane. Then the cycle gathers dust for a couple of months after which I pass it to my domestic help. That way, there is little wastage of money, if I dont use it, people who work for me use it. They are always grateful and I dont feel much guilt
https://www.bsahercules.com/Product-Features.asp?pid=63
https://www.bsahercules.com/Product-Features.asp?pid=63