Welcome from another middle Englander. Sorry to hear about your financial circumstances but we do have a site where we exchange knowledge and experience for free. Even exchanging opinions has only occasionally been slightly more expensive until a big wave of good humour cools things down again.
I've been everywhere ooooohhh yeaahhhh still I'm standing tall.
Welcome to APUGland!
"He took to writing poetry and visiting the elves: and though many shook their heads and touched their foreheads and said 'Poor old Baggins!' and though few believed any of his tales, he remained very happy till the end of his days, and those were extraordinarily long "- JRR Tolkien, ' The Hobbit '.