i usually load two frames and then start counting, then three at the end for a leader.... then when I stop at 36 exactly I don't lose any to fogging of that first bit -- shooting 10 shot rolls means ur going to be using a very high percentage of your bulk roll for leader and tail, a bit expensive.
maybe you should buy an Exakta, run the film from empty spool to empty spool (the take-up spool comes out of those) and use the built-in film knife to cut the film when ur done shooting.
It's not all that expensive film anyway, and I bet this would come out cheaper than using 24 exposure loads.
You could also probably learn to just load in the dark. I'm too much klutz for that myself.