// BBC BUSINESS NEWS — FINANZA
Not 'poor enough': Do people use London's pay-it-forward schemes?
Lala Books operates a pay-it-forward scheme funded by donations from the community
Maybe you've come across a sign like this before. It reads: "If you need a little something, but circumstances are challenging for whatever reason, take a heart and hand it to us at the counter, no explanation needed."
These are known as pay-it-forward schemes. It's when people can donate into a pot of money that can be claimed by others to cover the cost of things like a coffee or a book.
Amid the rising cost of living, schemes like these have the potential to offset the burden of small costs that can feel increasingly expensive. But how often do they get used? And do people feel comfortable using them?
Host Cafe, in the heart of the City of London, is home to one of these schemes.
Based in the St Mary Aldermary church, cafe manager Barbara Gornicka says there aren't many set rules: it can be used by anyone who feels like they need the cost of their drink covered that day.
Instead of coming up to the counter and asking for a free beverage, people are also welcome to take one of the polymer clay hearts on the drinks board.
"This is to keep people from maybe being embarrassed, especially if there's a larger queue. Not everyone can just outright say: 'Can I have a free drink?'" explained Gornicka.
Customers can take a polymer clay heart up to the counter to claim their free drink, no explanation needed
One regular is Paul Atherton, who was awarded the Freedom of the City of London earlier this year and has been dealing with homelessness for 17 years.