If you are concerned about your finances, there are ways to cut costs;
Decorating - borrow whatever you can. On the face of it, a tin of paint doesn't cost much, but it does get expensive when you have to buy brushes, rollers, masking tape, a ladder.
You could paint all rooms the same colour, that way, you won't have lots of half empty tins.
Flooring - I have found that independent carpet shops are much cheaper than the big chains. They often have cheap off cuts. We had our dining room, hallway and landing done for £600 and this wasn't an off cut.
Furniture - Ikea is cheap and cheerful, particularly if you are starting out.