I would say that chillin out is fine, but you do end up not achieving anything and this will bug you later in life. If you want to be a pro cyclist you need to start training NOW – weekend rides are not enough, you may think you are good but you are not, although you have potential.
Also, you are not cut out to be a forward, even though you are one of the biggest rugby playing kid in the year at 15 you will not remain so – when you get to college ask to pay on the wing instead of volunteering yourself to be a flanker. You will be a good flanker but you won’t enjoy it thereby leading you to give up when you could’ve had a much better playing career.
Stick with the atheltics too – you aren’t as good as your mum was at that age but you could still make something of it.
You’re ok as you are not working hard at GCSE, but you will need to do a bit better at 6th form college. Also at the Oxford interview do not tell the next guy what questions you were asked because they asked everyone the same questions! That might explain why he got a really low offer and you didn’t. Going to Oxford might’ve been good for you but it might not.. hmm.. dunno about that one.
DO NOT take out a graduate loan!
DO NOT take out a credit card!
DO save up and get a house in 8 or 9 years’ time, after that they start getting stupidly expensive and you will have to pay three times the price for essentially the same thing.
In 12 years time you will get a job in Finland – do not give your car away, drive it over there. You will regret not having it and not be able to afford to buy one there.
Oh and the most important one – as soon as you are able, buy a plane ticket to America and go to a particular small town in Wisconsin and look for a lovely brown haired quiet girl who reads a lot. Introduce yourself and get in there as fast as possible, so you can get on with being actually happy and have some proper fun adventures whilst still young and carefree 🙂