Only ever buy something if you have the cash for it! Don't use credit cards - and don't take out loans as they cost dearly in the end. Never buy anything on HP unless you can negotiate to pay it off at the end of the first month again with cash.
If you don't have the money to pay if off straight away, don't buy it.
If you can't pay cash try bartering. "I'll help you weed your garden if you do XXX for me", for example.
Visit your local charity shops to see if they have something you need. They will often agree to put it aside for a few days until you can pay for it.
Join Freecycle where you can post an entry asking for some specific item you require.
Look out for opportunities to earn some money. This could even be babysitting, dog walking, lawn mowing as well as other ideas. These can all help.
Join your local credit union if you do need a loan. It is the best place to go because they do not charge upfront fees or monthly fees, and they try to set repayments to an amount you can afford to pay.
Check out the website Debt Advice Birmingham for ways to get out of debt.
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