Chris Worfolk's Blog

At the end of last month, I paid off my student loan. Sort of. I haven’t actually sent the money or anything practical like that, but the amount I have accrued in student loan tax is now enough to cover the remaining balance. So once I get my tax bill, it will be sorted. Just in time for me to start paying George Osborne’s increased tax on small business owners.

This gave me a moment for reflection. I am 29 years old. I graduated at 21, so eight years seems pretty good going. Most people, however, will not have the opportunity to repay their loan anywhere near as fast as me.

First, my loan was quite small. When I went to university, tuition fees were £1,000 a year. Most of my loan was made up of maintenance loan, the money they lend you to live on. This was about £3,500 in my day but is probably more now. The year after I started at university the fees went up to £3,000. More recently, they have risen to £9,000. Living costs are probably rising too, so let’s say you need £5,000 a year maintenance loan now.

In total that makes for £16,000 a year. Assuming you get your degree in three years (not everyone does), that means you will have built up £48,000 of debt by the time you leave university: almost four times the amount that I left with.

Second, I am a software consultant, which is a well-paid industry. Many people will never earn the amount of money I earn. If you are a teacher, for example, only senior management will have pay higher than a software engineer who is a senior but still very much in the trenches of everyday code writing.

According to the Official of National Statistics, as reported by the BBC, the average earnings for people with a degree are £29,900 per year. This compares with £17,800 for people without a degree.

Let’s say you are earning £29,900 as a graduate. £17,335 if that is below the threshold. That leaves you £12,565 that is taxable for student loan. This is taxed at 9%, so that means you would be paying back £1,130 per year. With a loan of £48,000, that means you will be paying back the loan for 42 years.

That figure is far lower than it would be in real life, however, because it does not factor in the interest on your loan. That will add a large amount on to your debt, especially as £29,900 is the average earning over your career, not what you will be earning at the start. Initially, you will be lucky just to pay the interest off.

This is irrelevant however as your loan is cancelled after 30 years.

What this means in practice is that if you go the university now, you can expect never to pay off your student loan. What you can expect to pay is an additional 3-4% tax for the 30 years after you start your first graduate job.

Is student loan a good idea?

I have written before about the difficultly of arguing against tuition fees, though there are some points that seem to hold up.

However, with the new system, the sheer nonsense of it all seems to work against the tuition fee system. We have a series of ‘loans’ that we never expect to be paid back. We’re not saving the entire cost of tuition because most people are never going pay it all back.

We are saving some money, of course, an additional 3-4% tax on graduates for most of their working lives is a considerable amount of money. However, given we could just tax everyone more, and then provide everyone with a free at the point of access education, without having to subject people to the choice of lumbering themselves voluntarily with the additional tax, you can make a good case for abolishing tuition fees.

Going to university is still worth it

Even with the current system in place, the best choice is still clear. As graduated out-earn non-graduates by an average of £12,100 per year, even with the additional tax of £1,130, you are still almost £11,000 better off with a degree.

I like Nordic cooking. The reason is quite long.

If Hugh Fearnley-Whittingstall’s Scandimania and The Hairy Biker’s Northern Exposure are to be believed, there is something very exciting about Nordic cooking. But there really isn’t. That in itself is novel.

You see, I’m from Britain. A country not known for its spicy food. As the timeless Good Gracious Me sketch ably demonstrates.

But it goes further. When Fearnley made his show TV Dinners he searched the country for people who really went all out for their dinner parties. However, when he floated his boat up as far as Yorkshire, he went ot see a man who did an amazing Sunday roast. The conversation went sometimes like this:

Hugh: “That is a beautiful piece of beef. What are you going to do with it?”

Yorkshireman: “Just roast it.”

Hugh: “Just roast it?”

Yorkshireman: “That’s right.”

Hugh: “Are you going to season it with anything?”

Yorkshireman: “No, I’m just going to roast it.”

In a country known for its bland food, I live in the county that thinks the rest of the country goes a bit too crazy with all that fancy seasoning nonsense.

Why am I telling you all of this? Because when I tell you that Nordic food is fucking bland, I want you to appreciate the true enormity of that statement. They are not messing about here. Traditional Nordic dishes have taken bland to a whole new level.

Check out this photo of me preparing a Nordic stew:

Normally, a stew would consist of some meat, with some vegetables, and seasoned with some salt and pepper, and a bay leaf or two. Not this recipe. You put a much of red meat in a pot, and you boil it for five hours.

Most dishes are served with boiled potatoes, but I like to go wild, so I whipped up some traditional root vegetable mash to go with it. It is like regular mash, except it comes with bits of swede and carrot in it that in no way make it look exactly like sick.

Or, if that doesn’t float your boat, why not fry up some potato cakes?

If you really want to go big, why not make a meatloaf? Simply get as much mincemeat as you can, shape it into a bread loaf, wrap it in bacon, and cook it for a few hours.

Every mouthful wiped about a week off my life expectancy. It was totally worth it. If you want to add some variety of your diet, you could add some fish. However, even in that case, the Nordic recipe turns it brown.

Unfortunately, even my sauté pan was not big enough to fit the breaded sea bass in.

Whether these Nordic classics will make it onto our regular rotation remains to be seen. I do like these recipes, however. They are simple. Most of them involve piling ingredients into a pot and leaving it for ages. There are odd parallels between having to build a fire pit to stay alive in a frozen forest and the stress of modern day life: both greatly benefit from recipes that can be slow-cooked with almost no interaction.

When I did the political compass test in 2013, I posted the result on my blog. The idea was that years later I could re-do the test and see how things had changed.

Three years have now passed, and here is my new result:

I’m slightly less libertarian than I used to be, but not by much. The big swing is from a very centre position to a mid-left position. I’m actually surprised that I haven’t lost more libertarian points since I embraced the nanny state, but apparently, it is possible to be a social libertarian.

Yeah, duck racing. It’s a thing.

We used Easter Sunday to visit my parents, who were holidaying in Pateley Bridge. The camp site was running a duck racing competition, so they had bought us a duck each. The concept is that they tip all the ducks in at the one end of the stream and the first to make it down to the next bridge is the winner.

It was so popular this year that they had to have six heats, with the top handful going through to the final. Sadly none of our ducks were fast enough to qualify. It’s a shame, as the grand prize was a respectable £50.

However, at least Elina can now say she has been to a real English duck race.

After I moaned about the onerous requirements of the Larousse Book of Bread my friend Jane was kind enough to bring me some fresh yeast to work with.

The first loaf I made was a standard white bloomer. I wanted to see if it felt any different to making it with dried yeast. The bread came out very well, though I don’t think I could actually taste any difference.

The second loaf I made was maple bread. I replaced the oil with some genuine Canadian maple syrup that my auntie Diane had brought me on her recent trip to England. It produced a slightly sweet bread. This worked well, not to sweet, but with a little something.

The temperature is getting warmer, the days are getting lighter and flowers are sprining up everywhere. Mostly importantly though, to mark the changing of the season I am putting away my wooly hat and bringing my cap out of the wardrobe. It’s time to enjoy some warmer rain.

She’s Having a Baby – and I’m Having a Breakdown is a 1998 book by James Douglas Barron. You can tell it has been around a while because you have to get a physical copy of it: no ebook or audiobook, just one of those old-fashioned tree-based things.

It was recommended to me by a friend and is designed to offer helpful advice to men.

It certainly has the format right. It is a bullet pointed list of 237 things. That is more than the amount of pages in the book. Each has a heading and a paragraph of text to read, making it very easy to consume. You can pick it up and read a little bit more in a minute, or you can find yourself spending an hour on it, telling yourself you will just read one more entry.

I found it was showing its age. Or perhaps its target demographic. It is clearly written by an involved dad, but feels like it was from a time when that was not the usual situation.

The advice contained in it is useful stuff to know, but I don’t feel like I learned much. Perhaps it helped reinforce what I had already guessed (be nice to your wife, buy a carseat, things will change, etc) and a few things I perhaps didn’t expect, but nothing I felt I would have missed if I had not read the book. It was quite a good laugh though.

Three Good Things on a Plate is a cookbook by Hugh Fearnley-Whittingstall. I am a self-admitted Fearnley fan. This book does even more to reinforce that. Sure, he is an Old Etonian toff who’s recipes take hours to prepare because he has nothing else to do than mess around at River Cottage. However, it is unfair to level him as a one dimensional chef.

In River Cottage: Light & Easy he threw off his traditional indulgence in complicated recipes to demonstrate dishes that could be made in 20 minutes. In Three Good Things he shows us what you can do with three simple, easily-accessible ingredients.

If you have the title of the book, you have the whole concept. Each recipe is based around three ingredients. This does not include basics such as salt, pepper, oil, etc, but for the most part sticks to the rules. Don’t like one of the three ingredients? He even includes a “swaps” section to suggest other ingredients you can replace it with.

As with the River Cottage cookbooks it is beautifully presented in hardback with a full-page photo for each recipe. As is also typical, the book contains a lot of recipes, coming in at 400 pages.

One of the downfalls of simple recipes is that you have to get on with the ingredients. I found myself skipping past quite a few recipes because, even given the swaps, I couldn’t make them work to suit both my own tastes and those of Elina. Many of the dishes are quite light and therefore perhaps more suitable for lunches than dinners.

However, we did get plenty of dinners out of the book and those that we did were usually wonderfully quick and simple to prepare.

Elina and I are pleased to announce that Baby Worfolk is on the way.

If you are wondering what we are having, we have had a scan and they have confirmed: it’s a human! It doesn’t look like one yet. It will be here by the end of year, so you will be able to buy it Christmas presents. The scan suggested it would enjoy chocolate, Terry Pratchett books and guitars.

Feel the Fear and Do It Anyway is a book by Susan Jeffers.

You might think it is a book for people who have a lot of anxiety. However, in my opinion, it really isn’t. It’s a self-help book for people who like to be sold self-help books. There is a big difference there. Self-help books are generally full of unhelpful nonsense, for example.

The book does not read like something written by someone who has experienced anxiety, nor does it offer sensible advice to people who have. It’s in the title: feel the fear and do it anyway. Oh, if only we had to tell everyone that. It doesn’t matter if you are so wracked with anxiety that you have not been able to leave the house for six months. Just go to a party and talk to loads of strangers! Then you will feel much better. Problem solved.

Apparently, the answer is that people simply need to decide not to be afraid. Trying to adopt a positive attitude can be helpful of course. However, this goes back to my point that this book is for people who feel a little nervous about something, rather than people with genuine anxiety. If you’re pitching the book at those people, it might well be helpful.

She also recommends filling your life with positive people. This is a difficult line to walk. I want realistic friends. Friends that will provide me with some grounding in reality. Can you be both positive and offer rational, honest advice? I hope so, but I’m not sure.

In short, I don’t think this book is worth reading.