Completing a household budget or Statement of Affairs, it is easier to see that funds for one off expenses like a new washing machine or vehicle repairs need to be accumulated over time. Rather than borrow from a doorstep or pay day lender, find out more about community banking in your area. For as little as £20 a month, some Credit Unions allow you to keep a small savings account, although bankrupts will need to check this with the Official Receiver first, as disposable income belongs to creditors.http://www.moneymadeclear.fsa.gov.uk/products/savings/types/credit_union_savings_accounts.html
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