Unless you are buying whistles that will increase in value or earn you income beyond the finance charges, you are risking your future if money matters to you.
Wise words above, but I’m intrigued as to just how much the OP is paying for whistles - I’m just gearing up to buying a new concertina and could get 10 Goldies for the amount I’m about to spend.
Unless he’s taking the same approach as Blackadder’s Baldrick …
Blackadder: how on earth did you manage to find a turnip that cost 40,000 pounds?
Baldrick: well I had to haggle …