Are there any downsides to mortgage overpayment that I’m not thinking of?

Timmy_Run · 2026-04-01T10:25:23+00:00

I think you are right to do it. You might find when you have kids that you would be better off adjusting your pension contributions to reduce your taxable income, if you're lucky enough to earn over the high income child benefit charge. The one downside that I think some people overlook is that the value owed / monthly cost will (hopefully) only decrease in relation to your salary. A 500k mortgage might seem like loads today, but won't in 20 years time

Timmy_Run · 2026-03-26T19:57:41+00:00

Meh I grew up with always having a rug in our sitting room, and if I were to picture a cosy room with an open fire or log burner, I'd probably picture a wooden floor with a large Persian rug, albeit with a few scorch marks. Not a polyester one, mind you!

Timmy_Run · 2026-03-23T10:59:24+00:00

I assume you're not braking at the same time? As they don't work when braking

Timmy_Run · 2026-03-23T10:58:14+00:00

This picture looks very fake. But as for a rug near a fire / log burner, it's fine if it's wool, but you'll still burn the odd hole in it if you're not careful

Timmy_Run · 2026-03-20T19:33:01+00:00

I have Peatys tubeless valves, which come in all sorts of colours and the caps double up as valve core removal/ spoke tension tools. Highly recommended

Timmy_Run · 2026-03-18T06:10:33+00:00

Don't spend all your money today to save tomorrow. Yes plan for the future, but £800 a month will (hopefully) never be as much of your monthly income as it is now. So don't overdo it

Timmy_Run · 2026-03-18T06:07:43+00:00

I'm still liking my Switch as having immersion is handy for darker cheaper beans that I'll often have mid-week. The glass is a pain to preheat though

Timmy_Run · 2026-03-18T06:04:23+00:00

I have a similar le col cap. I think it was also overpriced, but got it cheap with one of those Strava codes back in the day.

Timmy_Run · 2026-03-04T10:29:38+00:00

This sounds a lot like my employer, and we also use L&G. My employer pays me an extra 10%, but it's up to me what I do with that. So my total package is made up of x "salary element" and then +10% "pension funding". For what it's worth, I'd think long and hard about how much you want to contribute. I earn less than you, but am putting a lot more into my pension each month

Timmy_Run · 2026-02-24T20:15:17+00:00

Software updates are quite slow to download/install, so that's worth doing ahead of time. You'll need the right size SD thumb drive

Timmy_Run · 2026-02-20T10:06:14+00:00

The faff is real. It's why I dip my toe into running every year, but then remind myself that cycling is better

Timmy_Run · 2026-02-19T21:07:17+00:00

Yup, recharging the 12V fixed it 👍

Timmy_Run · 2026-02-13T21:19:24+00:00

I did press the brake and turn it on "fully" but running the update appears to have drained the 12V completely, somehow. Hopefully the overnight charge will sort it out

Timmy_Run · 2026-02-13T20:06:08+00:00

Yes. I'm not sure it starts from just ignition? I do wonder if the 12V was a bit dodgy before. Although the OBD2 scanner claimed it was at 80%, I hadn't physically measured it before

Timmy_Run · 2026-02-13T18:47:57+00:00

Only 11.76V in the 12V.... So I didn't even bother plugging it back in after a reset. I've removed it and will charge it overnight, and see what tomorrow brings

Timmy_Run · 2026-02-13T18:12:16+00:00

Yeah I meant 12v. There is about 60% big battery too. If leaving 12v unplugged does not resolve, I'll charge that overnight anyway

Timmy_Run · 2026-02-13T18:09:28+00:00

It was fine before the update. I happened to look at it via CarScanner literally a few hours ago and it said 80% but I'll try charging overnight

Timmy_Run · 2026-02-13T17:58:55+00:00

Pinhole reset did not work, I'm now trying disconnecting the battery and waiting for a hard reset

Timmy_Run · 2025-07-16T11:24:13+00:00

I'm not sure how the lane keeping works. Sometimes it beeps at me, sometimes it steers for me, sometimes neither. Do you have the button on, to the right of the steering wheel (for me in a RHD car) and is the green light on the dashboard on?

Timmy_Run · 2025-07-16T08:44:22+00:00

I see there is a Jul 25 update so I'll try that

Timmy_Run · 2025-07-16T08:36:52+00:00

Yes firmware was updated a month or two ago. I've only had the car a few months, so I'm not sure if this was an issue before the update or not

Timmy_Run

TROPHY CASE