Locked Out

Yesterday I managed to get myself locked out of my apartment by stupidly forgetting my key. Unlike my building in NYC , the concierge here is not always around so I had to pay $400 or $70 US to a locksmith to help me get back in. I was kicking myself all day and couldn't help remembering my early days in NYC when I found myself in a similar situation. I had gone to the building chute to throw garbage and was attired in a skirt, top and slippers in the dead of winter when my front door banged shut behind me. I went to the building doorman to get the spare key to the second door of my apartment and then realized that I had bolted the second door from inside so there was no way that I could get in. I couldn't venture out as I was not dressed for winter and had no money or cell phone so I had no option but to wait in the laundry room for the husband to get home to let me in.
Have you ever been locked out in NYC? What did you do?did you have to call a locksmith to let you in?