simon the viking
Guru
to answer some of the comments, I do have a 2017 Propel which I really don't want to destroy, As I have just had it serviced and don't want to ruin the drivetrain, in a perfect world I'd clean it and the chain after every wet ride etc but after a long day at work sometimes you don't always do what you should. If the bike ends up a tatty wreck under current circumstances I couldn't replace it the current version is twice the money and I don't have even half the original price to replace it. Its a nice bike and I want to keep it like that.
The balance transfer idea is normally the route I'd go (or save £150 a month until i could afford it like I did the Propel and the Defy before it) but at the end of the month I don't have 30 quid spare.... we've just spent 800 quid upfront out of the little savings we have to fix a new 5 year mortgage deal at 20 quid more than our current one, because the rate has gone up twice since we asked about that deal..... by December we'd be paying a £100 quid more so 6 grand instead of 2 grand over 5 years, the gas and electric is now 1.75 times what it was a year ago, we are managing but NO SPARE CASH AT ALL. Taking into the current fuel prices as well I have to cycle or I couldn't afford to get to work.
I do know btw that a lot of people are feeling the pinch at the moment obviously and we are lucky that we can afford day to day costs
Just what annoyed me is no matter how bad your health is... (but to be honest mine isn't that bad and I have a bike already so will admit I was trying to game the system a little but do need to cycle as my weight would creep up again) unless you have to retire from your job you cant access a pension.... So as I understand it if I had an accident and needed to adapt my house to suit my medical needs, as long as I could work I couldn't access my pension to do it. (I do realise other benefits and grants might be open to me though)
It just seemed odd that if i'd stayed 17 stone and lost a leg or 2 (costing the NHS a fortune) and lost some of my eyesight so had to give up work I could have the lot tax free!
And lets not forget that whilst I had tax breaks on it, the money is mine and is the result of me starting a private pension aged 21.
So I'll manage with the MTB in the wet ride the Propel when decent weather (which will be for the next two weeks at least as its lovely) then next year buy the 9 speed Gravel and a Dogma or an S Works and give the Propel to my son!
only joking about Dogma and S Works but it will 2 bikes!
The balance transfer idea is normally the route I'd go (or save £150 a month until i could afford it like I did the Propel and the Defy before it) but at the end of the month I don't have 30 quid spare.... we've just spent 800 quid upfront out of the little savings we have to fix a new 5 year mortgage deal at 20 quid more than our current one, because the rate has gone up twice since we asked about that deal..... by December we'd be paying a £100 quid more so 6 grand instead of 2 grand over 5 years, the gas and electric is now 1.75 times what it was a year ago, we are managing but NO SPARE CASH AT ALL. Taking into the current fuel prices as well I have to cycle or I couldn't afford to get to work.
I do know btw that a lot of people are feeling the pinch at the moment obviously and we are lucky that we can afford day to day costs
Just what annoyed me is no matter how bad your health is... (but to be honest mine isn't that bad and I have a bike already so will admit I was trying to game the system a little but do need to cycle as my weight would creep up again) unless you have to retire from your job you cant access a pension.... So as I understand it if I had an accident and needed to adapt my house to suit my medical needs, as long as I could work I couldn't access my pension to do it. (I do realise other benefits and grants might be open to me though)
It just seemed odd that if i'd stayed 17 stone and lost a leg or 2 (costing the NHS a fortune) and lost some of my eyesight so had to give up work I could have the lot tax free!
And lets not forget that whilst I had tax breaks on it, the money is mine and is the result of me starting a private pension aged 21.
So I'll manage with the MTB in the wet ride the Propel when decent weather (which will be for the next two weeks at least as its lovely) then next year buy the 9 speed Gravel and a Dogma or an S Works and give the Propel to my son!
only joking about Dogma and S Works but it will 2 bikes!
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