Furnishing a new place can feel expensive, but you do not have to buy everything at once, and you do not have to buy it new. There are cheaper routes that get you the essentials without getting into debt.
Start with the essentials
Focus on what you need to live day to day first: a bed, somewhere to cook and eat, and a way to keep warm. The rest can come over time. Trying to furnish a whole home in one go is where costs and stress pile up.
Try charities and reuse schemes
- •Furniture reuse charities sell good quality items cheaply.
- •Some charities give free or low cost furniture to people on low incomes.
- •British Heart Foundation and other charity shops sell furniture.
- •Local community groups and social media groups often give items away.
Check if you can get a grant
You may be able to get a grant or a one off payment to help set up a home, for example if you are moving on from supported housing or care. A free adviser or your support worker can check what is available. Our guide on preparing for independent living has more.
Avoid expensive credit
Be careful with weekly payment furniture shops and buy now pay later deals, which can cost far more in the long run. If you need to spread the cost, get advice first so you do not end up in difficulty.
What to do next
- •List the essentials you actually need first.
- •Check local furniture reuse charities and community groups.
- •Ask a support worker or adviser about grants.
- •Avoid high cost credit and get advice if you need to spread payments.