I'm glad to hear you're feeling a little better. We'll take any improvement hey?
CESs do not do Community Loans to Australians.
Years ago our local LETS did join another program for women in 3rd world countries.
The $$ Community Loans I saw advertised through Neighbourhood Centres here in NSW.
If you have Neighbourhood Centres there or even Women's Health Centres, both Govt supported here, then you could give them a call?
SO MANY programs supporting local community members are offered through these avenues here... I hope it's the same there!
Oh re: the going into debit in CESs lol!!!
I HEAR YOU loud and clear lol.
Omg I didn't even have a credit card until my work forced me to! LOL!
Never had a car loan etc etc.
It's a "balanced system" so people MUST be in debit to have others in credit.
BTW members in our LETS have the parameter of minus 1000 to plus 1000... they don't like anyone going further out than these.
Still no one gets in trouble lol or has to pay ANYTHING if they do, it's just not a "healthy system" if that occurs.
GOING INTO DEBIT in LETS was the best advice I ever got in that system.
I even "bought" laying chooks!
Had an entire Christmas feast made and delivered for us (no meat).
Oh the list was endless but I really worked the system and over many many years.
I also made some of my loveliest "new" friends through LETS since we were quite like minded.
Some pretty wealthy people would join up every now and again and wow they had some mind blowing stuff to offer.
Many of us branched out into so many sectors; beginning co-ops, inventing and installing those Return and Earn centres, beginning Community Gardens, Creating Yearly Festivals here etc etc.
It doesn't matter how little or much one can offer - EVERY member is VALUED.