The Sims 4 Three Little Sims Challenge

If I was you, I wouldn't start over. I would just figure out what that stuff costs and then reduce your money down that much because in reality you could find a few rocks and almost afford all that stuff in a couple of Sim days. Plus, that would still be fair because if you pay the stuff back it will take you longer to get other things so it all works out in the end I think. Or you could just take it out now and reduce your money back down to zero, then buy it again when you can. In the end, it is supposed to be a fun challenge so I wouldn't worry about it. :) But that's just me.