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Get out there and take as many pictures as possible. Macro, Landscapes, portraites the lot.
Find out what you enjoy, get used to all the settings - it will take a while to get comfortable with the settings - there's a LOT you can do manually.
Buy magazines that give you tips etc. Loads to do...
Dealer finance will usually beat bank/internet loan deals as its secured on the car.
3.24% flat is a super rate. You will be lucky to find anything under 6.5% at the moment for figures below £15k.
Great for performance cars - i.e supercars but your wasiting your time sticking it in your clio on a regular basis.
If you want to clean your engine out now and then there are other more effective methods but if you want to get conned keep paying the extra...