At 43, I'm another one starting at the very bottom of the ladder (again)

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From personal experience I can say that sadly, a degree doesn't gaurantee you a well paid job these days. Not even two .Got Arty first of all - Art History and Classical Studies, then took another in Information Systems (trying to be more practical). Started down that line a bit late though, methinks. Business wants bright young minds and personalities they can mould to suit their own designs. Unfortunately (perhaps) I don't mould well. People are even advising me not to put them on my CV as it makes me appear over qualified. A master's degree is no guarantee either, as a good friend of mine will testify. Ho well, we live and learn
Having said that, I throughly enjoyed Uni. It was a great experience and regardless of the outcome I'm really glad I took that route.
I wish I'd learned a Craft actually. Knowing what I know now, if I were 17 again, I think that's what I'd do.
The thing is to separate needs from wants and keep it simple if you can. Every time you pick something up from the shelves, ask your self as you look at it, how much of your precious time will you have to sell in order to take the 'thing' home with you? Time for BC, time for travelling, time for really experiencing something rather than draging yourself from 9 to 5 just to pay for that damn 'thing', whatever it is.