Woe is me…. :-/

Well, I just used surplus savings from 2012 as an overpayment on the mortgage leaving 0, yes zero bike fund.

I know this is “sensible”, but it doesn’t feel very fulfilling. No point with “what bike” threads, only staring at new shiny kit reviews with starry eyes….

*is glum*

The point of this thread being?

Surplus savings implies there are other savings in other accounts – just raid those!

billyblackheart – Member
The point of this thread being?

There is no point BHB.

the-muffin-man – Member
Surplus savings implies there are other savings in other accounts – just raid those!

My life would not be worth it…..

Get one…

But with no mortgage to pay, you can accumulate a new fund even quicker!

Kryton, I feel your pain, we’ve just moved, downsized – we ploughed most of the equity into the new mortgage. There are some monies ‘left over’ – only on pain of death do I dare approach the topic of spending on ‘bike bits’….. 🙂
Edited to add a smiley for those perhaps taking this too seriously 😉

Well, I just used surplus savings from 2012 as an overpayment on the mortgage leaving 0, yes zero bike fund.

You have had surplus savings. Be thankful.

Hold on blisterman, you miss understand me – an “additional” mortgage payment, I havn’t paid it off, still 23.75 years to go….

Teasel, got some Renthal Kevlar’s last week, but cheers.

🙂

In that case, I don’t see the prob…

miketually – Member
Well, I just used surplus savings from 2012 as an overpayment on the mortgage leaving 0, yes zero bike fund.
You have had surplus savings. Be thankful.

Exactly this – you have savings when many are in debt. Not implying this is your fault like but I’m struggling to muster sympathy for you…

Which IS the point of the thread.

Savings? Ha! What are they? Surplus savings? Never heard of them.

Would love to be overpaying on the mortgage, but my spare is currently paying the rent on my son’s house! helping them with their new baby costs! I am a proud grandad tho. 😀

Which IS the point of the thread.

Its not, its my soh being used to create a stereotypical STW type “problem” for the amusement of others on a Friday.

Guess it didn’t come across that way but hey, we can’t all be Hora can we.

Mary Hinge – Member …I am a proud grandad tho

😯 😉 😀

just got a letter from the bank saying that there was more money in the offset accounts than in the mortgage. They are basically telling me that I need to buy a new bike, but they didn’t say what I should get. Suggestions?

Suggestions?

Something crazy and expensive, that you don’t even need.
And a Audi to put it on?

Teasel, I have 2 of those exact ones 😆

What are these ‘savings’ and ‘overpayment’ of which you speak?
(I understand ‘mortgage’)

Surplus savings?? Life’s tough for some.
Some of us would like to have enough money just to keep the heating on!

nobody kicks off like this when people post a thread about buying a new bike or car!

So you have savings
And you have surplus savings.

Boo hoo.

Holierthanthoutrackworld. We used to eat gravel, etc…..

Do you want me to search for that thread where you said you were going to be less materialistic OP?

just got a letter from the bank saying that there was more money in the offset accounts than in the mortgage.

Should be bank’s letter say ‘well done, you’ve paid off your mortgage’ then, or is my understanding of offset wrong? (considering getting one when my current fixed deal runs out, so please put me right)

Oh well, life’s full of ups and downs

Hold on blisterman, you miss understand me – an “additional” mortgage payment, I havn’t paid it off, still 23.75 years to go….

Oh yes, sorry, my mistake, I read “overpayment on the mortgage leaving 0″…. 😳

If you can afford to save you can afford a 0% finance over 18 months 😀

Should be bank’s letter say ‘well done, you’ve paid off your mortgage’ then, or is my understanding of offset wrong?

You have the means to pay off your mortgage if you choose to.

But you could also spend it all on shoes, tiger food and curtains if you felt like it.

Hope that helps.

Missing the tag #firstworldproblems.

I’m spent the new bike fund on a trip to Andorra skiing, flying Sunday morning. Still eyeing up a Croix de Fer though, credit is helping the economy right?

Do you want me to search for that thread where you said you were going to be less materialistic OP?

How is paying extra on a mortgage materialistic? Or the fact I saved up is materialistic?

The fact you are whining about not being able to buy a new bike is materialistic, silly!

I hoped I wouldn’t have to spell it out, I really did.

Hello Kryton57.
Your interweb profile is now complete.
I am afraid it is bad news(almost sad face),so bad in fact that my line manager told me not to email you the profile(mildly shocked face) .
He has instead suggested a virtual therapy session voucher, that you can cash in at Iamadaftpotatoe.corn .
They are a great bunch ,and I feel sure they will help you find a nicer fluffier place on the WWW travels.
Lots of nice virtual hugs and vibes ( caring smiley face)

But it was intended as a comedy wine cynic-al it really was, in lite of the first world problem threads. Seems though that some, perhaps all of the audience took it seriously. I genuinely thought people would see that and post lighthearted ” oh no not the bike fund…” comments.

Now’s probably not the time to mention that I may have just bought a bike to be confirmed tomorrow….. 😀

#comedythreadfailofhighestproportion

I’m guessing you’ve got a few bikes, maybe a titanium one too? Here’s an idea, how about being happy with what you’ve got and just ride more.

And so the flaming starts….

Yeah, 4 bikes, comparable to lots here. And I live in The SE, drive a German car, have nice house, 2 kids, and quite like Kylie pictures.

How am I different to 90 of the STW population? Don’t answer that….

Edit: And have a Nespresso, stove top and caffetierre…

Boo hoo. Poor you.
Anything else you’d like to shove in people’s faces?
Go wash yer meat.

Surely bigyinn your not so blind you don’t see it every day – which is my point.

Self effacing hypocritical stw’ers criticise comedy stwer that posted bollocks on a Friday shocker….

*wipes arse on Persian rug*

Digging yourself a bigger hole while being less funny…just sayin’

So it’s ok for everyone else to post their 20k bike sheds, 1k wood burners, Audi a6’s, 2k Horsethief builds, 10k bike vans and “what guitar that ill never play” thread then post a thread complaining about a £7 postal delivery being late and that’s ok?

Maybe others in here need to look at themselves. Ok so my humor was off, so what.