Student Debt

I've been thinking about finances again, mostly because I strangely enjoy sorting them out. Maybe I was an accountant in a past life, or it's just because I enjoy maths.

There's an advert for a popular bank (the one I used to work for actually) that irritates me so much. Some young people are jumping on a sofa and reel off about how "it's so great that they give you an overdraft, I was in my overdraft by the third week, hurr hurr hurr I'm so silly." Literally every student bank account gives you an overdraft, it's nothing to write home about. Don't infantilise a whole group of people.

But anyway, a friend of mine was fretting about his student finance application recently. He was trying to work out how much he needed to live on and therefore how much maintenance loan he needed to apply for. So I said "why not just apply for the full amount? You probably won't end up paying it back anyway." It's the same reason that I chose to start third year again from the beginning rather than just coming back for January exams. I wouldn't have been able to attend lectures or redo coursework, just for the sake of saving an extra £3000 on my student loan. Seeing as this degree will cost me over £40,000 in loans anyway, what difference would that make?

The fact is that a student loan is going to be the cheapest long-term debt I'll ever have. Since it'll just take some from my earnings, I'll probably forget it's even there.

I really would recommend students just starting to work a part time job. I wish I had earlier on, but it baffles me how people can go into their overdraft so quickly. Sure, I'm pretty small and not materialistic, but some people were living on houmus and buying new clothes for goodness sake Because I make enough money working to cover my living costs right now, the maintenance loan I'll get this year will go straight into savings.

Money isn't supposed to make you happy and all that, but it's got to help...? Maybe I really am turning into an adult, if the prospect of financial security gets my blood pumping.

Apologies for the rambling post, but it's exam season and I'm procrastinating!

Limpet x

Moon Phases Bookmark

Just a short and sweet craftspiration for you today. This is perfect for when you want to spend a few minutes crafting something you can actually use, or slip a little something into a letter for a friend. (Did I tell you I have pen-friends again? It makes me very happy.)

Some very simple watercolour bookmarks!

Watercolours lend themselves perfectly to moon-like things, so here's how to do it in 5 easy steps.

1. Draw 5 circles of the same size in a line on watercolour paper, with a compass if you have one, or just draw around something.
2. With water, paint the moon phases using your circles as a guide.
3. While the paper is still wet, dab a few splodges of your chosen colour into the shapes, being careful not to use too much paint.
4. Add more colour as required and then leave the paint to dry. You can use a dry tissue to dab off paint while it's still wet if needed.
5. Draw on any details with a pen if you like. I couldn't decide if I liked it more with or without the pen, but it definitely looks neater.

So there it is. Make just one for yourself or loads at once to give to everyone you know!

Limpet x

Come on in, 2017!

The last post was about 9 little things that helped me in 2016. It's almost a year since I started this blog and honestly I think it's been pretty helpful for me to see what's been going on and to vent my thoughts.

Here are some changes I'll be making in 2017. Just a few goals, no need to get too ambitious.

1. I have decided to do away with the Reading List on this blog and instead start using Goodreads. You're all welcome to add me as a friend, please give me lots of book recommendations! https://www.goodreads.com/littlelimpet. My 2017 reading goal is 26, one every two weeks. I read a bit more than that last year but I don't want to put any pressure on it.

2. Yoga! I mentioned in my to-do list that I wanted to save up my pub tips for the new year. I have done exactly that, and I have ________. When I first looked at yoga I got a bit sad because £5 per session is not cheap, but now I have the perfect use for those tips.

3. Bullet journaling. I discovered this new concept a few weeks ago and have started one. I may do a little post later on what mine looks like at the moment. Hopefully it will add some much needed structure.

4. Try and keep a 9-5. It's so hard getting work done without having to be anywhere, and it ends up ruining my evenings. I plan on doing 2/3 hours work, then 1 hour off. The hour off has to be something productive like kung fu or crafting instead of just browsing the internet. This'll be a hard one, but the bullet journal will help.

Some quick stats for 2016: (I've recently set up a Google Analytics profile so they'll be more accurate for next year.)

53 posts (at least one a week, good job past Limpet!)
~15,000 page views
In the first month we had about 100 views, and in the last we had about 4,500. I don't really know what that means, but it sounds good.

Onwards and upwards, friends!

Limpet x