Archives for category: politics

My latest financial splurge has probably been the most sensible expense I’ve ever had. Night school.

At the end of September I embarked on (part time) student life, spending Tuesday and Wednesday evening in Illustration class & Figure Drawing class (after parting with £420 of tuition fees and £80 for art supplies- ouch!).

However, I truly believe that this is the best £500 I ever spent. The courses are 11 weeks long and cost £200 and £220 respectively. Each class is 2 and a half hours long so I really feel I’m getting my moneys worth

I have had something really fun to focus on, and have generated lots of work for my portfolio (more on than another time!).

I’m fortunate that my employers encourage learning and offer subsidies to those who wish to study, even if it’s not directly related to work, so I can claim 50% back on completion of the course (to the value of £250 per year).

Another great discovery for me was the ILA (Individual Learning Account), available to low earners residing in Scotland (terms are at http://www.ilascotland.org.uk/What+is+ILA+Scotland/Eligibility.htm ).

The purpose of an ILA is to provide up to £200 per year for a variety of courses, or £500 for a course towards a higher education or professional qualification. ILAs are available for people with an income of £22,000 a year or less, or those who are receiving benefits. Sadly it is no longer available to those living in other areas of the UK – sorry guys!

Fortunately or unfortunately, my annual pay falls into this lower category (hence, the need to budget) so it looks like I qualify for this kind of grant, which is fantastic news as I am already planning to book the next term!

Is there something you’ve been thinking of studying? Whether you fancy brushing up on your IT skills, or maybe baking cakes is more your bag, it might be worth looking into what funding opportunities are available to you. Maybe your employer would help fund a course? Particularly if it is beneficial to the company you work for.

Learning can really lift your spirits, and in these time of recession, I think we could all do with a little pick me up! For me, these courses fit into my grand plan, and sometimes you’ve got to spend money to make money, right?

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Yes it’s true. I left school 11 years ago and set off for Art School. A year later I dropped out as I wasn’t happy. I guess I took longer to ‘find myself’ than some of my peers.

Since then, I’ve probably found myself several times over: trained in Graphic Design at a vocational college, landed a job as a junior designer, quit job as a junior designer due to lack of progression in a small company, worked in retail, been promoted to manager, stepped down, and now I’m working as a sales person.

Anyone who has worked in retail will appreciate that it’s not the most rewarding job. In fact, at times, it’s downright insulting! I’m an intelligent girl, but I’m flighty. So guess what? I’m at a careers crossroad again.

I’ve flirted (a lot) with the idea of beauty school or teaching. I’m pretty set on the latter, so tomorrow, I’m going to school. I have a friend who works in the local high school and has kindly agreed to allow me to shadow her and sit in on her classes. Eeeekkk!!!

I haven’t stepped foot in a school since the start of the millennium (class of 2000 y’all!). So I’m pretty nervous, but also bubbling with excitement. Before you say it though, I am well aware of the shortage of teaching jobs at the moment, but think I may have a plan (top secret, y’know).

My budgeting efforts will have to (at least) double as I head into 4 years of full time education. Bring on the beans on toast!

Like most people in the UK, I’ve been reflecting on the riots that broke out in London, Liverpool, Birmingham, Manchester, Salford, and the many other acts of violence and vandalism in many other British cities and towns over the last week. I’m still feeling a sense of disbelief; how can this possibly have happened in the UK?

I wasn’t directly effected, living in Scotland, where, for once, we are considered to be the civilised ones! I have spent a lot of time in London though (a long-distance relationship in my late teens had me there every other weekend) and every time I visit, my heart swells a little bit with excitement and, perhaps pride is the word, or love for the city. What I mean to say, is that I feel connected. My parents grew up in South East England, and made their marital home in Ealing, where my oldest sister was born.

I wasn’t just a tourist type when I visited either. My visits to London in my younger years included time spent in Brixton, Streatham, Clapham (one of my sisters lived there for a while), Peckham, Elephant & Castle, Croydon… Most of these places have been struck by violence from a so-called lost generation.

The happenings over the past few days have really got me thinking. There is a complete a lack of community in Britain today. Young people feel isolated, whilst some older generations feel threatened. There doesn’t seem to be a solution.

Today’s youth have grown up in a society that is obsessed with consumerism. A teenager without a laptop, mobile phone or games console is practically unheard of. So is it so surprising that so many people seized the opportunity to get something for nothing? Articles in several newspapers and on blogs have all pointed out that, in some ways, the greedy youths looting all over England parallel the MPs claiming excessive sums of money to kit out their homes. Great example? Why should the already wealthy MPs be have these sums of money covered by the government, whilst others struggle to pay rent or buy food?

I do not, by any means, condone the theft, violence and damage caused by the rioters, but perhaps if the whole nation was less materialistic, then there would be less envy. Fewer people waiting to get their fair share. This country needs a shake up. We need to pull together and work on our society. We need to stop worshiping ‘things’ and start respecting each other. Young people are the future of Britain and they need to be nurtured before they can thrive. The culture needs to change.

These are my thoughts and opinions. I’m not really a political person but the recent goings-on have hit a nerve. I’m on a quest to save money in a society that seems to revolve around material possessions. It’s difficult so stop wanting things that just about everyone around you already has. The temptation to spend or acquire consumer goods needs to be removed; Britain needs to change.

I need to curb my spending to avoid the downward spiral of debt. In order to do this, I must address my needs versus my wants, and be disciplined enough to resist. It’s not easy, and it’s not always successful, but it’s all I can do for now.