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I agree that this may not be the best advice, especially for a young person just starting out. Moving out on your own is stressful enough and large credit debit can add to the stress. I am a firm believer in that if you cant afford it, don't buy it.

In saying that lol I have a credit card myself, to build up a good credit rating, however i have a student card with a low limit, and i always ensure i have the money in a separate saving account in case for some reason i cant make the repayments.

I think it could be a good idea to try adding in a furnisher allowance to the budget instead (just till you get decked out) and it doesn't have to be a whole lot.

Why not try second hand furnisher shops, ikea, or the newspaper. I also find a lot of struggling students often advertise cheap furnisher around campus when they need cash or why not keep an eye out next bulk refuse collection?

Remember it takes time to get started and there is no rush!