OP, can I suggest you look at this from inward outwards?
Adding stuff for the sake of it is like plastering, you smooth things, but you haven’t really decorated.
For the record, everything in my house is white. I don’t have curtains, I have shutters. White. My furniture is white. I don’t have carpets, I have floorboards and a rug.
I have an open plan kitchen living room. My kitchen is gloss white. Even the bloody cat is white (I did not get the to match the furniture, I swear!). I do not like clutter or stuff lying around randomly, everything has a place, out of sight.
And yet it’s so cosy and homely and people comment how it changes their mood the minute they walk in. It is peaceful.
I waited a very very long time to have my own place. And when I got it, the first thing I did was walk around and give each space a purpose. ‘This this where I’ll gather around with friends’, ‘this is my sanctuary, my private space’, ‘this corner is for sharing food’ etc.
The purpose of my home is to be a safe, calm, cosy place where I can recharge my batteries, where I am in control, where my friends and my DD’s friends can gather around.
So everything I choose to bring in the house serves a purpose. To comfort and bring joy.
Start by inviting people in your home, with a takeaway in their laps, candlelight, music. Start by creating a reading nook, choose a comfortable armchair just for that purpose, find a really really nice blanket and a stool to rest a mug, a reading lamp and some books. Start by choosing an favourite mug. Don’t just buy a random one, keep searching till you found the one’. Start by putting thought into the fabric and quality of your bedding. Choose things that will last a long time. One by one, little by little. But don’t forget why you are doing this. It’s not to show you have taste, money, you’re doing it for comfort, for calm and joy.