I need a small loan...

KingElvis

Try the local tip

SnowBelle_2

Try your local paper first as ours here seems to be full of white goods as people bought new before the VAT increase.
As long as it's clean you would be surprised what people get rid of,I would just buy cheap then upgrade as you save.
One other point to mention ...You say the landlord has told you to decorate as you want and treat the place as your own home,Can you get this in writing?
Just saying, as my sister rented with her family, the kitchen diner was a vile terracotta colour she asked the landlord if she could paint it magnolia,sure no problem he says.
Cue the day she was moving out Landlord came to do the inventory and told her to paint it back to original terracotta as he did'nt like Magnolia ( having been to the house twice when it was magnolia)frantic scrambling by the whole family to re paint it!
It may be wise to ask him & show him colours before you go ahead as some people have a very different taste to others.

27col

Just because the LL said the kitchen diner could be painted a different colour, didn't mean that he liked it. It was not unreasonable to want it returned to it's original colour.

MFWannabe

As others have said try freecycle, ebay, local papers first; also set up some savings from your wage so that you buy things when you can afford them. You say if you didn't do anything you could have £600 spare every month; so even if you did go out occasionally etc you still should be able to save half this amount

faithcecilia

I would really try to avoid a loan. It wouldn't take too long to get the things you need just using your 'spare' cash, even if you worked on it being just £400 a month. I'd prioritise and buy a couple of bits a month, eg first month a fridge, microwave and curtains/poles (unless you are okay sleeping without them - I need pitch black so can't), then next month a cooker, etc etc. I understand wanting things new, but you really don't need it all at once.

kangy

Don't get into debt for the white goods - like the others have said freecycle local papers, local second hand electric good shops, loads of places you could probably afford in one hit and you won't have any extra money going out on a loan - which you could then use to sort out your overdraft.

Also - speak to the Landlord about curtain poles etc - when you go it will be probably be easier for him to re-rent with things like this already in - so ask him about the poles, curtains, lampshades etc - he sounds quite reasonable so he might work with you on choosing ones you like - yes you'd have to leave them there when you go but they won't have cost you anything. Or - hang up a blanket or dark sheet. It will do! And while you're there ask about white goods - less likely in that if they go wrong he'll be responsible for repairs BUT equally it will be easier for him to rent out again when you're gone.

Jeff_Bridges_hair

Also to add I have seen big british heart foundation stores that sell everything nowadays thats all been donated to them So your doing 3 things by shopping there with your spare income.

)1 getting yoru house furnished on the cheap until your more financially stable
2) your helping a great charity out
3) your not getting into more debt which you cant afford as the only people who will touch you will charge you a bloody fortune

millym

I agree with all of the above.

When I was moving a few years ago, I realised that the removal costs were going to be more than the second hand value of the things I wanted to move. So I sold the majority of my things on ebay, then bought what I needed once I moved. The small stuff that I wanted to move was boxed up, and I used Parcel2go, which cost £80 for 10 large boxes.

This worked really well, as, for instance, I got over £40 for my old telly, and bought one for £11! I even got a brand new, great quality, unused mattress from freegle!

I would definitely agree that you should go for ebay/free stuff, then buy new stuff later, when you've saved up for it. It's always worth asking friends and family if they are throwing anything out - I've been given a cooker, curtains, bedding, crockery etc, in the past.

Good luck with the move!

naomime

Youre lucky to have £600 a month to spend! Enjoy just that not get a loan