Do you need all of that stuff at one time? If not buy one item at a time and you will save a lot of money. For example buy 3-4 towels and wash cloths at a discount store. The same applies to sheets, buy one set at a time. A lot of people only ever have one set of sheets for each bed. You can buy a shower curtain for anywhere from $5.00/$40.00 at discount stores. Those buy now, pay later places charge a lot of interest. You can end up paying close to double what the actual price of the item is. There is one site called fingerhut.com It has been so long since I have looked at that I don't know what they have anymore.