Welcome. Have a drink on me!
Cut out the cycling though - it's not good for you, will ruin your health and your wallet, and lead you to go out stealing to fund your habit. Then you'll get sacked through turning up late for work after cycling until late at night, and then secretly nipping off for a ride during the working day, and coming back too hot, sweaty and tired to function properly.
Then your wife will leave you, home will get repossessed, and you'll be out on the street selling Big Issues. But at least you'll still have the bike. Unless you bought it in a CTW scheme. In which case you are REALLY in trouble.