You can get Rumours for selling skeletons to some specific buyers or from a whole lot of actions in Ealing station or Jericho Locks. Actually, just coming here give you one.
You can get tea from one of new clubs (Sophia’s, I think), or buy helping urchin from Ealing station with his bear problem (Honey Mazed Bear carousel, which you most likely run into anyway. It raises dangerous caps, gives throphies for dangerous analogue of Sotc/Poet-Laureate and it is story about bear lost in dream world due to overhoneing, so why wouldn’t you)
All and all requires at least one station, but Debt would become real problem only when you upgrade your train or trying for dividents. First can wait, second - last time I check - wasn’t really worth it yet.