Hello Dear Reader,
The biggest difficulty of having either debt or a low income is access to ready cash. It puts people in a debt cycle as there will always be a time when the washing machine breaks down or you need new bedding. There are charity shops but I'll be bold enough to say their pricing takes the biscuit. Fortunately, there are furniture and clothing banks and we donated some of furniture that we'd bought second hand in the first place. We have one in Liskeard and volunteers will even collect it for you. If you have no money at all they will let you have clothing, household items such as a washing machine for free but if you have an income they will sell items for far less than charity shops.
My 'new to me' table was bought from eBay and came originally from a high end oak furniture store and would have cost around a thousand pounds. I bought it for ninety quid and got a courier to deliver it for forty. It's a very fancy find and 'like new' in condition.
So, where am I going with this? Look out for furniture and clothing banks instead of turning to debt. If you can, donate clothes, household items and white goods so others can have them for nothing. Debt is pernicious and has a terrible grip that is incredibly difficult to get out of.
A massive mention of http://www.recycleandrenewing.com in Liskeard and to all their volunteers for the work they do in the community. It's great to donate and to know that people in genuine need can avoid debt because of your service.
Until tomorrow,
Love Froogs xxxxx