TURBO BLOWN???

[D Turbo Lyle]

Hi people, just noticed that i have a bit of blue smoke when cold-starting my ph 2 1999 1.9 d turbo and a little bit here and there but mostly when the engine is cold and pulling away from junctions, theres not masses apart from a freezing cold start!! I have been losing/burning a minute amount of oil (i mean minute) also.. I thought it was the oil valve stem seals but after taking off the lefthand 2" pipe that leads to the intercooler iv noticed theres oil in there... not pissing out but its there!! is my turbo f*cked? and are they a hassle to change? I would have to get a mechanic or some1 to do it as im a dumbass with that kinda stuff!