Wolf, your journey is much more difficult than mine, and bless you for taking care of your daughter. I had a bat shit crazy in my life once as well. It's great that you never borrow, but buying everything for cash makes for a very bad credit score, so if life takes you down a path that you DO need to finance a vehicle or a house, or go through any kind of credit check, you may come up short. As recently as Jan 2014 my credit score was an awful 540. Through a lot of hard work, research, education and discipline, It is now in the high 730s. I am quite proud of that. The way to do that is borrowing responsibly, not remaining debt free. It sounds crazy, but you have to use credit to build your credit. You know all this, I am sure, having been through bankruptcy. My financial journey is right on track. I am house hunting in a better part of northeast Ohio and with my credit score being considered "A-Tier" my VA loan will go through without a hitch. $0 down, and 1% less interest than commercial. I REALLY studied and learned about all of this when I decided I had to fix that 540! I met a woman online who lectures about credit and has a radio show, and we talked often. (She is awesome and actually called me here at home 3 times to discuss things with me and offer guidance.) A man who was then approaching his 63rd birthday CANNOT have a 540 credit score.
As to wardrobe, I have 18 pairs of socks and 18 pairs of underwear. On the day I wear the 18th pair, I wash the other 17! My yoga pants and t-shirt get 3 days each. My dress shirts and dress pants are all hanging in a closet I rarely open. When the band plays, it's jeans, short and vest. I swear that I will NEVER wear a tie again, though I have about 25 of them.
So, to find a way to bring the thread back to addressing the OP, you don't need to be a silver spoon trust fund child to buy solar equipment. Just be patient and shop wisely. Much will depend on where you are. I am in a city of 200,000 so there are a lot of options that smaller towns might not have. I beat Craigslist to death when I want to find something. I actually check up to 500 miles away when it is a very specific item. When I wanted a specific keyboard I shopped the whole country and ended up buying one from LA. Negotiated shipping to where we ended up splitting it and made the deal.