We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
The MSE Forum Team would like to wish you all a Merry Christmas. However, we know this time of year can be difficult for some. If you're struggling during the festive period, here's a list of organisations that might be able to help
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Has MSE helped you to save or reclaim money this year? Share your 2025 MoneySaving success stories!
Retirees what is your typical day
Comments
-
Yes that's a common complaint which can be fixed with the right cycling shorts/pad, saddle and a bike fit. Also the more you ride your bike the more you will get use to it and the aches and pains lessen.Ganga said:
But i always find it hard on my bumBostonerimus1 said:
I will charge 1hr for the telecon and I think I said two sentences. Enjoying the bike ride or not depends on how much you like cycling. It's a great low impact way to keep fit so ideal for older folks as it's easy on the joints.sgx2000 said:
Apart from the bike rides & contract workBostonerimus1 said:8:00 am telecon with folks who employ me to do some some contract engineering.
Then 25 mile bike ride to a cafe (coffee, beef-jalepeno and horseradish cream sandwich, raspberry square) and 25 miles back home. Listened to "The Rest is History" podcasts on Martin Luther.
Afternoon spent re seeding bare spots on the lawn and sat down and drank two beers while I admired my work.
It sounds marvelous

And so we beat on, boats against the current, borne back ceaselessly into the past.6 -
Reminds me of an American friend who was living in France. He told me he called up his aging dad in Louisiana to find out how he is keeping.ColdIron said:sgx2000 said:How do you actually do nothing?Got any plans for today?Do nothingBut you did that yesterdayDidn't finish
"Hey dad, what are you up to?" asks my friend.
The reply, "not a hell of a lot son, and that don't start till 10:30"3 -
The soreness becomes numbness?Bostonerimus1 said:
Yes that's a common complaint which can be fixed with the right cycling shorts/pad, saddle and a bike fit. Also the more you ride your bike the more you will get use to it and the aches and pains lessen.Ganga said:
But i always find it hard on my bumBostonerimus1 said:
I will charge 1hr for the telecon and I think I said two sentences. Enjoying the bike ride or not depends on how much you like cycling. It's a great low impact way to keep fit so ideal for older folks as it's easy on the joints.sgx2000 said:
Apart from the bike rides & contract workBostonerimus1 said:8:00 am telecon with folks who employ me to do some some contract engineering.
Then 25 mile bike ride to a cafe (coffee, beef-jalepeno and horseradish cream sandwich, raspberry square) and 25 miles back home. Listened to "The Rest is History" podcasts on Martin Luther.
Afternoon spent re seeding bare spots on the lawn and sat down and drank two beers while I admired my work.
It sounds marvelous

1 -
As a cyclist myself, many bikes come with cheap thin saddles that are a bit wearing in places that should not be worn! A wider, more comfortable, replacement saddle is always a good choice for an upgrade imo.Think first of your goal, then make it happen!1
-
Can confirm. Since he retired OH has developed buns of steel.Bostonerimus1 said:
Yes that's a common complaint which can be fixed with the right cycling shorts/pad, saddle and a bike fit. Also the more you ride your bike the more you will get use to it and the aches and pains lessen.Ganga said:But i always find it hard on my bum

Fashion on the Ration
2024 - 43/66 coupons used, carry forward 23
2025 - 62/891 -
barnstar2077 said:As a cyclist myself, many bikes come with cheap thin saddles that are a bit wearing in places that should not be worn! A wider, more comfortable, replacement saddle is always a good choice for an upgrade imo.
Used to be the so-called "gents saddles" were extremely narrow and hard - those for the "ladies" were much wider and better padded!
1 -
So the answer to my saggy a**e.....lol0
-
I've heard it's about getting a saddle that aligns with your "sit" bones, so the pressure is on the right place. And also adjusting the angle and positioning of the saddle.Statement of Affairs (SOA) link: https://www.lemonfool.co.uk/financecalculators/soa.phpFor free, non-judgemental debt advice, try: Stepchange or National Debtline. Beware fee charging companies with similar names.2
-
That’s right. I’d second Bostonerismus. If you build up the miles steadily you soon get comfortable - and if you want to do more, a bike fit is some of the best money you can spend. I had one a few years back and the tweaks to position weren’t massive but they made all the difference to comfort.
Cycling isn’t everyone’s thing but I love the different countryside and the wildlife I see every time. Buzzards and a hare yesterday just on the 15 mile pre-breakfast circuit.
Don’t forget the coffee and cakes too 😋. Compulsory as part of any longer ride.2 -
A misunderstanding. A friend on my univ course, who joined a firm with a FS scheme straight out of univ and worked there until Sunday.katejo said:
Their Uni pension is still FS? I had FS from 1990 to 2016 but then it stopped and was replaced by Career average. I do have nearly 34 years in total. At least the FS part won't be affected if I retire before 67.ex-pat_scot said:Univ friend, turned 55 a couple of months ago, announced last week that he'd been offered a redundancy package.
Yesterday is his first day of retirement!
33 years of FS pension no doubt will be very lucrative.
I have no idea of his finances, except that he and his wife are very sensible and frugal souls, and that his employer will have had a strong FS scheme, albeit likely adapted over recent years like teachers and medics. It would still be leagues ahead of any private DC equivalent.1
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 352.9K Banking & Borrowing
- 253.9K Reduce Debt & Boost Income
- 454.7K Spending & Discounts
- 246K Work, Benefits & Business
- 602.1K Mortgages, Homes & Bills
- 177.8K Life & Family
- 259.9K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards


