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@user116219
I’ve been in company schemes that only opened once a year, and if you missed the deadline you had to wait another 12 months, so would be worth confirming with employer if that is the nature of this scheme or if maybe it has a cutoff date for applications on each new month (to align with payroll admin etc in that month). I always took the approach to get a voucher that was either at the limit, or based on a specific bike I knew I would buy +£x and then spending surplus on accessories and clothing (I usually end up with tubes, tyres , bags, bottles, cages, cycle computers etc) to make up to voucher total or within a few pence of it