Apr

29

so you’d like to play music

Filed Under shopping | 13 Comments

So, I’ve decided to take up the oboe. As you do.

I already play the viola pretty well (or at least I would do if I practised) and I’ve always thought that if I learnt another instrument, it would be the oboe - we don’t mention the awful piano lessons I spent about 3 years taking when I was much, much younger.

One of the reasons that I didn’t take up the oboe as well as the viola is that it’s quite expensive to learn musical instruments. I was very fortunate in that I had the opportunity to learn an instrument at very low cost through my areas music service. I received 30 individual half hour lessons a year, plus played in a variety of orchestras, sang in choirs, took theory and musicianship lessons - kids can still do the same thing today, where I grew up, the cost is about £132 ($264) per term, group lessons are a lot cheaper. I’ve written elsewhere about how important music is to me, and it’s one of the most enjoyable things that I did at school.

So, now that I’m an adult, I can afford to pay for my own lessons. I’ve had my first oboe lesson, it was a lot of fun, and I’m paying £10 for half an hour, which is the low end of the going rate round here.

buying an instrument

If you or someone you know is interested in learning a musical instrument, you might want to know some typical costs. Don’t forget that these are UK prices, I’m not sure what the rates are likely to be elsewhere, but the relative expense of one instrument compared to another is likely to be the same.

Instruments - student / beginner models

  • violin £80-£100
  • viola £80-£100
  • cello £200-£250
  • double bass £500-£650
  • flute £150-£300
  • clarinet £150-£300
  • oboe £800-£1000
  • bassoon £1000-£1500
  • saxophone £300-£600 (this depends on size)
  • guitar £80-£100
  • trumpet £150-£250
  • french horn £400-£800
  • trombone £200-£300
  • piano £1000-£2000
  • drum kit £200-£300
  • recorder £10-£20

taking lessons

To really, progress, on most instruments, lessons are helpful especially at the beginning. You would be able to get away without if you want to strum the guitar, have a go at the recorder, or provide the drums for your local band. If you want to play in a brass band, or play traditional music (folk and the like) it’s possible to go along and pick things up. But, teaching yourself in this way is hard to do unless you are already quite musical. But, if you aren’t musical you would still get good results on any instrument from having lessons, especially if you worked on the instrument for a couple of years.

A beginner will only be wanting half hour long lessons. In fact you can get to a pretty good standard only having half hour lessons (certainly well enough to impress most people you know). These seem to range from £10-£15 a time. My oboe teacher offers discounts if you pay for more up front, and if you get them through school, or team up with a friend, you wouldn’t need to pay this much.

buying music

If you can learn by ear, then you can do without this. Likewise, if you’re playing in a brass band then the music will probably be supplied. Otherwise, the costs start at £5-£10 for a beginners book, and then ranges from £5-£20+ depending on how much music is in the book, and how rare it is.

If you get into it and you have the cash, it’s easy to spend a lot of money on music. The trick is to actually learn the stuff that you have, before you buy out the whole music shop. That said, it’s nice to have a few things that people will want to hear at different times, like Christmas Carols. Maybe one day you can gather the family round the piano for a singing session (we really did this when I was little :) ).

ongoing costs and repair

Woodwind instruments need to be repaired or overhauled every couple of years or so. This costs about £50-£100. On top of that, clarinettists, saxophonists, oboists, and bassoonists require reeds (cane that vibrates to make the sound), which cost from £5-£20, or you can learn to make your own. Then cork grease (so you can get the bloomin’ thing together) is about £2.

String players need rosin (sticky stuff that makes the bow sound on the string) which costs about £3, and you will eventually break a string and they cost from £5+ to replace. String technology hasn’t changed much in the last couple of hundred years so they are relatively low maintenance. You might one day need a bow rehair, but

Acoustic pianos need to be tuned, preferably a couple of times a year. Digital ones don’t really require that much maintenance.

Overhauling a brass instrument costs from £200 upwards. Fortunately, these aren’t in the repair shop quite as much as woodwind. Otherwise, there’s valve oil, at about £3-£4.

practice

The biggest and most important thing that you need if you want to play a musical instrument, is to practice. Little and often, repetitively, and with purpose (i.e. don’t just play the bits you can already do). To make progress, it’s reckoned that you need to practice about 20-30 minutes at least 4 times a week (a bit like exercise recommendations, really). To become a virtuoso it has been suggest that you need to put in about 10,000 hours of practice. Fortunately, practice is free.

best value for money

Once you get into playing an instrument, there’s a tendency to want a better instrument. My viola cost about £1500 more than 10 years ago, and a really good violin starts at about £10k. The cost of pretty good flutes, clarinets, trumpets, oboes, etc is between 2 and 3 times the beginner instrument cost (and, of course upwards). For value for money, I’d say that the recorder is probably the cheapest instrument - even excellent wooden recorders only cost a couple of hundred pounds. Otherwise, once you’ve bought the thing, the piano is pretty reasonable, and the guitar, is an excellent self-contained instrument where most people are happy with a relatively inexpensive one.

If your dream is playing a concerto in front of an audience of hundreds, then choose the instrument that you love the most - that’s the only thing that will get you through the hours of practice required.

Edited to add: I remembered these frugal musical instrument tips that mrs. micah wrote about a while ago.

Mar

26

my top 5 excuses for paying too much for clothes

Filed Under shopping | 26 Comments

window shoppingI often feel that as a personal finance blogger, I should be more frugal in my purchasing. Although I don’t throw money away exactly, I’m also not a follower of some of the most basic “being frugal” advice that there is. This is particularly true of clothes.

I usually pay full price for my clothes from regular high street shops.

A real frugal person would buy there clothes second-hand, or at massive discount in the sales. Whilst I don’t spend much money compared to many of my peers, compared to the rest of the personal finance crowd, I’m afraid I’d be considered a spend thrift. Here are my top 5 excuses.

excuse 1: a deprived childhood

When I was a kid, up until about the age of 16, apart from my (revolting brown, beige and gold) school uniform nearly all the clothes I had were hand me downs. When it was dress down day at school I was always very careful to be wearing the nicest of the clothes that I had.

Although I don’t resent this, I did always want new *shop-bought* clothes. I still do. I know that this isn’t really a deprived childhood, but this is one of my biggest excuses for not buying from second-hand clothes shops. I feel that I deserve better.

excuse 2: I’m a funny shape

People that have met me will confirm that I am not an average shape person. I’m 5 foot nothing, and a UK size 14 (US size 10?). This means that I am too short for regular women’s clothes. In fact, I’m actually too short for regular short people’s clothes (more commonly known as the petite section).

I am the perfect height for age 12 children’s clothes. Sadly (since kid’s clothes are cheaper) I’m far from the perfect build for that. In practice this means that it’s quite hard for me to find clothes that fit reasonably well - I’m usually in petite clothes that I’ve hemmed myself for work. When it’s hard to find clothes that fit, you are basically stuck buying them even if they aren’t that frugal.

excuse 3: I’m picky

I don’t wear brown. (See above mention of school uniform for reasons why.) I also don’t wear double breasted coats, or pencil skirts, or shirts. Basically, I’m a fussy dresser and I’m not willing to think too far outside the box. I know what suits me and I stick to it. This does mean that I don’t actually buy that many clothes, but on the other hand, it’s another reason why I end up paying full price for everything. When you’re picky, there’s less choice.

excuse 4: I don’t like busy shops

A great time to get the same clothing for less, is in the sales. Unfortunately, I hate shopping in the sales. I hate it being busy, everything takes twice as long, and the queues for the changing rooms are enormous. It gives me so little pleasure, that I’ve almost stopped going to the sales completely. When I do go, it’s generally at the tail end. It’s quieter, but not much is left.

excuse 5: I can afford to

I don’t need to pay tiny amounts for clothes. I have no kids and a reasonably well paying job. Unlike when I was a student - and it didn’t matter - I can actually afford to pay full price for clothes, as long as I don’t buy too much. They say that necessity is the mother of invention, and with no necessity, and not a great deal of innate fashion sense, my frugal invention skills are under developed.

What do you think of my excuses? Should I try harder? Do you have any (justified or otherwise) excuses yourself for your own non-frugality? Let me know in the comments.

Image by mell242 

Mar

7

excellent customer service from plumbs direct

Filed Under shopping | 8 Comments

The lovely little house that I bought last year is Edwardian. I discovered after I moved in, that this means that it has high ceilings, and non-standard sized windows. Since I live in a pleasantly crowded inner city suburb, I shouldn’t really go without some kind of window dressing.

Now, in most of the rooms I can easily get away with an inexpensive roller blind or Venetian blind. The living room at the front has an L-shaped bay window, and as I mentioned non-standard sized (extra tall) windows. The only practical solution is custom made curtains.

To say that I’m not competent enough to make them myself would be somewhat of an understatement, so I turned to the modern homeowner’s trusty friend, the interwebs. Sadly the first few results that I got from google were not all that cheap. I decided to try out some of the top advertised results, and ended up at Plumbs Direct, whose prices were much more reasonable. I found some fabrics I though I might want (I’m fussy) and ordered some samples, the samples came, I picked out a nice fabric that I liked, measured and ordered the curtains.

Now, here’s the point at which it went wrong. For various reasons (I hadn’t changed my address at my bank) I should have had different billing and delivery addresses. Unfortunately I didn’t check the paperwork carefully, and the delivery address was wrong.

Not being the most organised person in the world, I didn’t notice for some time that the curtains hadn’t arrived. When I eventually realised that they should have turned up weeks earlier, I went through my emails and worked out what had happened. I contacted Plumbs to see if they could help me, and they told me that the curtains had been delivered (to the other address) and had then disappeared. They then offered to send me a replacement set of curtains at no additional cost.

Naturally I took them up on the offer, the curtains turned up, they are beautiful, excellent quality, well made custom curtains that fit my window perfectly. Did I mention that these curtains were about half the price of their competitors.

I love Plumbs Direct, and if you like the fabric choices, I suggest that you use them yourself.

PS I’d like to reassure you that I’m not being paid to write this. In fact, they’ve got no idea that I am. I just like the curtains, and great customer service.

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