To use my recently cleared Credit Card for this..

[Qwerty19]

I'll try and keep it short.
Overcrowded in HA. Have found a private rental. Awaiting on the paperwork to move end of month
We've been told we can paint as 2 of the bedrooms are not good and need to do before moving as once furniture in it will be difficult.
My son has enough stuff as he has own room now.
Dd and dsd have nothing for a bedroom as currently sharing with us. Ie wardrobe space etc.
The girls room will need a carpet too which we've been given permission.
I'm stressing as every bit of cash we've had to use for deposit and month upfront.

I need to get wardrobe and drawers for girls. A bed for ds and the girls will have the bunks that ds currently uses ( dsd normally goes in with him and dd in cot but outgrown)
A few homely items like lighshades. Curtains etc.

Everything else we'd make do. But to try and furnish a 3 parlour bed house from a small 2 bed flat at short notice is stressing me out.
I struggle with change and the fact I love my home as it is.

Due a babybin the new year so wanted to get sorted by end Oct to then concentrate on Xmas and baby.

Please note. I didn't expect my life to change so much when I moved here it was just me and ds. Never expected to meet so. Wine and get married. We had dd with treatment but was told we wouldn't conceive naturally and we did.. If it wasn't for that we would of manged to scrape by until ds goes to uni.

I had worked hard to clear the credit card so feel gutted to feel the need to use it. But I goess it's not like I'm using it for useless things or meals out etc.

DD just emigrated to get married and sold a lot of her stuff on FB. I could have wept at how cheaply she had to let things go... Nearly new stuff!

I wouldn't put that on a CC, no.

Do you have a furniture scheme in your area? We have one where I live. People donate furniture and it's sold to the public very cheaply. Cab will know.

You really should not give up the ha rental. You need to be overcrowded and wait.

If you take the private rental then it will almost impossible to get ha again.

You are swapping secure accommodation for Insecure.

With Brexit and the current government, no way would I be doing that, in this economic climate.

Try free cycle. Personally I think it is a disgrace landlords renting property's unfurnished in the UK.
I understand how tempting as it is so I wouldn't, I only use a debit card I am very impulsive when it comes to decorating and buying shiny things.
Can you see if there is another house in the area without so much work needed.

No, don't use the credit card. Moving with children, no money and needing to furnish rooms is hard but long term debt is harder. Use Facebook/Freecycle/Gumtree to furnish for now and save for what you want.

I really wouldn't give up HA accommodation. You will struggle hugely to get back on the list and our economy is not the most stable right now... I can absolutely see why you want to, but I think you need to make do and just keep on at the HA about the overcrowding, so that you retain your secure tenancy.

If you do move, I wouldn't be paying to carpet and paint someone else's house. If the landlord wants you to do that, negotiate on not paying the first months' rent or something. Otherwise you're putting yourself into debt again to improve someone else's house, and the landlord could very well ask you to leave in 12 months time, even if they say now that they are looking for long-term tenants (which they always do!)

Can you try a transfer even if it took a year, you may find a couple looking to downsize now there is bedroom tax.

Personally I think it is a disgrace landlords renting property's unfurnished in the UK.

Why? I rent, we can't afford a mortgage and are too old now anyway but I still want to furnish my own place with furniture that I like not what someone else likes.

Landlord should paint and sort carpets before you move in a private rental.

Different expectations to a housing association. Do not get into debt.

YANBU if you have a plan for paying it off.

YABU not to challenge the landlord over the painting and carpeting - they should be up to standard without you having to change/replace them.

Most of these are not immediate needs worth getting into debt over. Maybe the carpet, the paint and the bed but the rest can come over time. When I bought my first flat I couldn’t afford much furniture so I stacked supermarket boxes on their sides to store clothes and to use as bedside cabinets. I didn’t have a wardrobe for 2 years until a neighbour was disposing of a huge mahogany monstrosity.
We bought our current 4 bed detached house 10 years ago and slept on a mattress on the floor for months until we could afford the bed we wanted. Curtains and lampshades came over a period of some time as we searched for stuff we liked and could afford, in fact One room only got a lampshade last month.

I agree with using Freecycle, searching charity shops etc. Don’t get yourself into debt for home decor. As long as it’s clean, warm and secure the rest can wait.

Don't do it. Wardrobes etc on Freecycle, paint too - or ask on FB groups, people often have it lying around after renovations. Carpets - LL to supply or wait and save up. It's not worth it.

I would either look at a second hand wooden wardrobe that could be painted to your taste or a temporary canvas one for now.

Get the carpets and decorations done first. Can the landlord do a deal e.g pay for paint and you paint the room?

Landlord should paint and fit carpets throughout. Please dont use your credit card. There are second hand furniture shops. Save up and do one room at a time.

I am a LL and we paint and either carpet or laminate all rooms. You should not be paying to do this. Your children will have to have beds but I would speak to LL and tell them they are responsible for carpets/laminate and painting. Which region are you OP? Is there a shortage of reasonable rental property?

Why? I rent, we can't afford a mortgage and are too old now anyway but I still want to furnish my own place with furniture that I like not what someone else likes
Lucky you can afford it, when I rented in the UK the amount of unfurnished properties we viewed, if you want the option of your own you can speak to the landlord.
For a young family it is hard to furnish a rented home.
In Ireland the regulations are very strict, beds, sofa, washing machine, dishwasher, working cooking appliances, kettle, fire extinguishers, fire blankets, law mower, area to dry clothes and a tumble drier if no garden, these must be supplied it is enforced by the PRTB. Private renting tenancy board.

Nothing new to add, there is so much free furniture available you should try that first. I'd fully expect the landlord to provide decent carpet. Please make sure you take pictures of everything before you do any work and when you have finished.

Don't pay for carpet, that's the LL's responsibility.

As for the rest, look on FB or Ebay/Gumtree. You'd be very silly to use a credit card when you've got a baby coming. Chop the thing up - once you start with debt, it can snowball.

Carpet is landlord responsibility as is decent standard of paint, if you want to change for decorative reason that’s different. 100% echo everyone else re second hand furniture - so much immaculate/like new second hand stuff available on fb/gumtree, I always check before buying anything new ...

In Ireland the regulations are very strict, beds, sofa, washing machine, dishwasher, working cooking appliances, kettle, fire extinguishers, fire blankets, law mower, area to dry clothes and a tumble drier if no garden, these must be supplied it is enforced by the PRTB. Private renting tenancy board

Dishwaser , Tumbledrier and lawnmower have to be supplied?

Lucky you can afford it, when I rented in the UK the amount of unfurnished properties we viewed, if you want the option of your own you can speak to the landlord.
For a young family it is hard to furnish a rented home.
In Ireland the regulations are very strict, beds, sofa, washing machine, dishwasher, working cooking appliances, kettle, fire extinguishers, fire blankets, law mower, area to dry clothes and a tumble drier if no garden, these must be supplied it is enforced by the PRTB. Private renting tenancy board.
Oh please. Anyone who has rented in Ireland knows all about the disgustingly poor quality of the furnishings. They have to provide furniture all right but most looks like it was rescued from a skip.

Dishwaser , Tumbledrier and lawnmower have to be supplied?
@Crunchymum
Hi Crunchymum are you asking a question or correcting my spelling errors.

Unfurnished is fine. Not providing carpet is another thing entirely!

Definitely try charity shops - the British Heart Foundation and Emmaus both have furniture shops and I'm sure others do.