Thanks for the bike set up tips KP.
I am not an experienced rider and am actually quite afraid of riding so toss in a bit of back pain and I am almost ready to throw in the towel! But I won't; bike riding and walking are my main modes of transportation so I have to learn how to ride efficiently and pain free

I had been thinking I needed to adjust the height of the seat but am afraid to put it any higher coz I like to be able to touch the ground...again my fear of being on the bike showing

What can I say, I rode over an embankment back in the day when I was learning how to ride a bike and I guess I never really got over it as I don't think I have owned a bike since I was...11!
Anyway, like I said, I am determined to learn and I will get over my fear of riding!