[@EurmalEye]I thought about something that might be a problem.  What do you mean by:
"small bag of stones used for enchantment practice (several have light enchantments)"
Do you mean rune stones or something similar, or do you mean elemental crystals?  Crystals will be pretty expensive (9 months wages at your level for a 2 kt elemental crystal), so having multiple of those would be difficult.  His father might have one for every element, as he's much better off, but that's a very expensive gift.  More of an inheritance.

Everyone: I'm going to add a ring with a small (2kt) fire gem in it to my cs and a minor spell to try out/light flammable materials.  If anyone has a reason I shouldn't do that, tell me, but I seem a bit less powerful than my companions and forgot to add a tender box or flint & steel.  My character is basically a geek with a varied and fairly high knowledge of magic theory, but little practical knowledge.  I think him having a very minor elemental ability could fit that.