You do what you need to do. If you can't raise the money any other way....but if you can instead manage a modest system until you can get back on your feet so to speak (audio-wise), a couple of active speakers can go a long way....not familiar with the ones you're looking at, tho. How much would a JBL 306 or 308 model cost there? How much do the Swans go for? Not sure what choices you have there.....