If you have financial issues then why not buy used ... you'll save money in the long run, especially if you resell when times get better. Epos ES14s would be a better buy than M12s, and I've got to believe a used Audiolab amp would better the cambridge. If the M12s are anything like the ES11s they're probably nice speakers.
The cambridge gear is supposed to be good value, but resale value is probably very low. On the other hand you could probably buy a used Audiolab (or maybe even a naim nait) for about the same and sell it for what it cost you in a couple of years. Kind of like buying a new Cavalier verus a used Civic.
The cambridge gear is supposed to be good value, but resale value is probably very low. On the other hand you could probably buy a used Audiolab (or maybe even a naim nait) for about the same and sell it for what it cost you in a couple of years. Kind of like buying a new Cavalier verus a used Civic.