Early Life
Lloyd was born in Wandsworth in London, his father was an AA Patrolman and failed smallholder. His mother sang songs around the house and according to Lloyd mimicked the Gipsy singers that she'd heard. By the age of fifteen his mother had died and his father, an ex-soldier, was a semi-invalid, and Lloyd was sent as an assisted migrant to Australia in a scheme organised by the British Legion. There, from 1924–1930, he worked on various sheep stations in New South Wales and it was during this time that he began to write down folksongs he learned. In the outback of New South Wales he discovered that he could access the State Library and order books—his special interests being art and music he could get a grasp of those topics without seeing a painting or hearing any music. He also bought a wind-up gramophone and began to investigate some of the classical music he had previously read about.
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“... business training in early life should not be regarded solely as insurance against destitution in the case of an emergency. For from business experience women can gain, too, knowledge of the world and of human beings, which should be of immeasurable value to their marriage careers. Self-discipline, co-operation, adaptability, efficiency, economic management,—if she learns these in her business life she is liable for many less heartbreaks and disappointments in her married life.”
—Hortense Odlum (1892–?)