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Help with furniture

Top tips on the best ways to furnish your home on a budget.

How to furnish your home on a budget

Most of our homes come unfurnished without beds, furniture, carpeting, and white goods like fridges and washing machines. However, there are many ways to furnish your home without spending lots of money.

Ask family and friends

It can be surprisingly easy to get furniture for free. People often end up giving away household items when they’re having a clear-out because it’s the easiest way to get rid of them.

Ask family and friends if they have any items they are no longer using.

Check online

Websites like Freecycle, Freegle, Gumtree can have all kinds of free furniture, from small items, like toasters and kettles, to tables and even sofas.  

Buy second hand

Check out local charity shops and car boot sales, or go online to eBay and Facebook marketplace.

The Reuse Network is another place you can find high quality, affordable household items including furniture, electrical appliances, IT equipment, and more.

Shop around

If you buy furniture new, remember to shop around for the best deals and keep your eyes out for sales.

If you’re shopping online, compare prices between websites and consider using a cashback website.

I don't think I would have been able to do this on my own, but Clarion were there to help me.


Clarion resident

Get help from our charitable foundation

Clarion Futures is our charitable foundation and can help you in lots of different ways. We offer support in many areas, such as:

  • money and household bills
  • jobs, apprenticeships, and training
  • digital skills
  • mental health and wellbeing.

Find out more about Clarion Futures

Borrowing money and using credit

If you want to buy something that you can’t afford, you may choose to borrow money. If so, always make sure you work out what the final price for your item will be, and include the extra cost of interest. Small weekly payments can really add up, especially over a long period of time.

Before you apply for a loan, make sure you’ve gone through all your budgets and can afford the repayments.

Affordable borrowing providers offer fairer finance deals on household goods. Please note that Clarion is a partner with Leeds Credit Union.

What to know before using credit

You could use credit to buy your item and pay it back over a period of time, or at a later date. It’s also a good idea to compare prices with other retailers to make sure your item isn’t overpriced and that the shop you’re buying from is trustworthy.

Interest-free loans

Depending on what benefits you receive, you may be able to get an interest-free loan (also known as a budgeting advance or budgeting loan) from the Government. This mean you only pay back what you borrow.

Find out more on the government website

Budget planner

The independent Money Helper website has a simple online budget planner that can be really helpful. It shows what you can afford and how you might be able to save money.

Go to budget planner

Grants and funding for furniture

Grants from your local council

If you’ve struggled with homelessness or hardships in the past, you may be able to get a grant to help you buy white goods and furniture.

Rules vary depending on where you live, so get in touch with your local council to find out more.

Funds from charities

You may also be able to access support schemes and funding from charities, which you can browse through on the Turn2Us grants search.

Financial help from Clarion Futures

We may be able to help you with funding to buy things like beds, fridges, freezers, cookers, and washing machines.

This help is only for households in hardship and you must want to work with our money guidance team to think about changes you can make, which will help put you in a stronger financial position.

Find out more