• Home
  • Start Here
  • Blog
  • Home
  • Work with Me
  • About me
    • Facebook
    • Instagram
    • Pinterest
    • Twitter

Can't Swing a Cat

Sign Up

Exactly How Much It Cost Me To Furnish My Home As A First Time Buyer

Buying a home

It’s been just over four months since I picked up the keys for my flat. Since that joyous day, I’ve been really busy trying to furnish the place. I’d still like to add some finishing touches such as curtains and bar stools, but due to other financial commitments, I’ve had to put some these big home purchases on hold for now.

Filling the place has been wayyyy more expensive than I initially anticipated, although I must admit I’ve spent quite a lot of money on non-essentials. For the sake of transparency, I thought I’d share a breakdown of how much it’s cost me to furnish my home as a first time buyer. Here are a few things to consider when reading through the list:

  • I was fortunate enough to have some of the essentials already. For example, I had a microwave, kettle, toaster and other kitchen items from when I rented a flat a couple of years ago
  • I also have a number of items that have been donated to me by friends and family members
  • Since my flat is a new build, many kitchen appliances are already included such as a fridge freezer, dishwasher and oven
  • Buying a new build comes with the added benefit of not having to decorate as a matter of urgency or fit a new kitchen/bathroom etc
  • Since the stamp duty rules were overhauled just days before I completed on my purchase, I saved a few hundred quid that could be used towards my deposit
  • I got my mortgage through Habito & they have a generous referral scheme. If you sign up using this link, you and I will each earn £100 on successful completion of your mortgage

This list has been surprisingly more difficult to compile than I anticipated and I’ve had to make a few estimations. For example, I can’t remember exactly how much the cushions in my living room costed, but I do know they were from HomeSense and I can give you a rough estimate! I’ve tried to go into as much detail as possible.

The items in bold can be seen in the pictures I’ve embedded from Instagram.

Living room

Sofa - Ikea - VALLENTUNA - £600

Arm chair - Ikea - STOCKSUND - £325

Arm chair - Ikea - STRANDMOM - £125

TV bench - Ikea - LIATORP - £180

Side table - Ikea - FINEDE - £17

Mirror - Ikea - MINDE - £14

Bookcase - Ikea - LIATORP - £169

2 x Blinds - Ikea - LISELOTT - £28

Wardrobe - Ikea - PAX - £280

A post shared by Jenni (@cantswingacat) on Apr 3, 2018 at 2:21pm PDT

Lamp - HomeSense - £30

Fabric storage boxes - HomeSense - £20

2 x drying rack - Ikea - JALL - £10

Globe - HomeSense - £17

TV and sound bar - John Lewis - £674

4 frames - Wilko - £35

Blue patterned cushion and mustard yellow cushion - HomeSense - ~£30

Large cream cushion with flower and bird pattern - HomeSense - £30

Stained Glass 3 Print, A2 Framed - iamfy.co - £44

My Tights Are Tight Print A2 Unframed - iamfy.co - £23

Pacific Lullaby Print, A1 Framed - iamfy.co - £63

The Cave Print, Framed - Desenio - £45

Barcelona Print, A3 Framed - iamfy.co - £30

 


Total: £2,789


A post shared by Jenni (@cantswingacat) on Apr 4, 2018 at 11:39am PDT

 

Kitchen

Blinds - Ikea - LISELOTT - £14

Bench - Ikea -NORRAKER - £40

Plants - Ikea - £80 (these plants are spread out throughout my flat)

Clock - HomeSense - £20

Candle - HomeSense - £10

Oven gloves - The Range - £6

Washing up bowl - The Range £2.50

Chopping board - Ikea -LEGITIM - £2

Frying pan - Ikea - SMAKSATTA - £15

Grill pan - Ikea - SMAVAR - £16

Colander - Ikea - GEMAK - £5.50

Strainer - Ikea - IDEALISK - £1.80

Chopping boards - B&M - £3

Baking tray - B&M - £1.50

Rear Window Print, Unframed - Minuscule Motion - £9.07

A post shared by Jenni (@cantswingacat) on Apr 3, 2018 at 3:28pm PDT


Total: £226.37


Things I didn’t need to buy - Kettle, toaster, microwave, cutlery and most pots and pans.

Bathroom

Toilet roll holder - TK Maxx - £12.99

Sparkly toilet brush - Dunelm - £10

Blinds - Ikea - LISELOTT -£14

Shelving unit - Ikea - VILTO - £40

Candle - HomeSense - £9.99

Towels - TK Maxx - £80.91

Frida Print, Unframed - Minuscule Motion - £9.07

 


Total: £176.96


Bedroom

Double bed with storage - Ikea - NORDLI - £279 *

Mattress - Ikea - HOVAG - £200

Wardrobe - Ikea - PAX - £210

Chest of drawers - Ikea - NORDLI - £170

Blinds - Ikea - LISELOTT - £18

Fabric storage boxes - HomeSense - £19.98

Large storage basket - HomeSense - £16.99

Medium storage basket - HomeSense - £12.99

Laundry basket - Home Sense - £14.99

King size quilt - B&M - £24.99

A post shared by Jenni (@cantswingacat) on Apr 2, 2018 at 8:52am PDT

King size duvet cover - HomeSense - £29.99

King size duvet cover - Debenhams - £45

2 x fitted sheet - Ikea - £14

4 x Pillow cases - Ikea - £6

Mattress protector - Ikea - KATTOST - £12

Fitted sheet - Ikea - NATTJASMIN - £15

Fabric coat hangers - HomeSense - £7.99

New York Violet Manhattan Print - iamfy.co - £22

A Saccharine Cloud Print, A2 Unframed - iamfy.co - £23

Call It Meow Print, A2 Unframed - iamfy.co - £23

Innocence of Thoughts Print, A2 Unframed - iamfy.co - £20

4 x A2 Frames - £59.96


Total: £1,244.88


 

En-Suite

Toilet roll holder - TK Maxx - £12.99

Toilet brush - Ikea - MJoSA - £5.90

Magnifying mirror - Ikea - TRENSUM - £4

Candle - HomeSense - £9.99

Green Mug - Oliver Bonas - £7.50

Big Fish Print, Unframed - Minuscule Motion - £9.07


Total: £49.45


A post shared by Jenni (@cantswingacat) on Apr 2, 2018 at 9:43am PDT


Office

Computer Monitor - Amazon - £113.97

Desk - Ikea - MALM - £95

Chair - Ikea - ORFJALL/SPORREN - £45

Shelving unit - Ikea - DRAGET - £19

Mirror - Ikea - MINDE - £14

Wardrobe - Ikea - PAX - £210

Fabric storage boxes - HomeSense - £23.97

Blinds - Ikea - LISELOTT - £18

2 x File Holder - £15.98

Eternal Sunshine of the Spotless Mind Print, Unframed - Minuscule Motion - £9.07


Total: £563.99


Grand Total: £5,050.65

 

What's the magic word?

Subscribe today and I'll send you the secret password for the free resource library. There you'll find free guides, workbooks and cheat sheets designed to transform your finances

Thank you! Please check your email to confirm your subscription.

There was an error submitting your subscription. Please try again.

We won't send you spam. Unsubscribe at any time. Powered by ConvertKit

« Should You Use A Mortgage Broker Or Go Straight To Your Bank?
Ask Jenni: “My Boyfriend’s Lack Of Ambition Is A Huge Turn Off” »

Sign Up

About Jenni

Hi! I’m Jenni, a personal finance writer and freelance journalist on a mission to help people be better with money.

Tired of counting down the days until payday? No idea where your money disappears to each month? Eager to save a deposit against the odds?

Take a look around. You’ve come to the right place.

Recent Posts

  • Coronavirus And Matched Betting: Is Now A Bad Time To Start This Side Hustle?
  • 4 Things I’ve Learned About Productivity From My Part Time Job In Retail
  • Is Matched Betting Worth Doing In 2020?
  • Is The Skincare Industry A Scam?
  • Is Buying A House Making You Too Stressed To Shag?
Instagram post 2278464580048202578_43786404 SHOULD YOU ASK FOR A MORTGAGE HOLIDAY? This post is likely to be most helpful for homeowners, but some tenants may find it interesting too
Over the last few weeks 'mortgage holidays' have been talked about widely on TV and social media, but they've also been misrepresented. I've seen a lot of people arguing that if their landlord gets a mortgage holiday, they should automatically get a rent holiday
Although I'd love to see financially-comfortable landlords letting struggling tenants live rent-free for at least a couple of months, as I'm about to explain, the last thing you want is for their mortgage holiday to be passed onto you
Basically, if your lender agrees to give a homeowner a mortgage holiday, this means that mortgage repayments won't need to be made for a specified period of time. Basically, it's like your mortgage is put on pause
Unfortunately, the missed payments will need to be paid back eventually. This is likely to mean that once the mortgage holiday is over, the homeowner's mortgage repayments will increase
Let's imagine you usually pay £350 a month. Your lender may agree to a 3 month mortgage holiday, meaning you won't have to pay anything until July. But when your repayments resume, you may have to pay £370, £400, or even more than that each month
The exact amount will depend on a number of things such as the lender's terms, the amount of debt you have, and the period of time you'd like to spread the missing payments over
Not only will most homeowners be expected to pay back the missed payments eventually, they'll also have to pay more interest too
Basically, a mortgage holiday isn't as fun and rewarding as it may sound. Essentially, you're just taking on more debt
If you're really struggling to make ends meet at the moment, a mortgage holiday may give you some much-needed relief while your finances are overstretched. But please remember this isn't 'free' money & if your financial circumstances haven't drastically changed as a result of COVID-19, you'll probably be better rejigging your budget so that your mortgage repayments continue to be a top priority
Hope you're all doing as ok as can be♥️
Instagram post 2277711389056691794_43786404 Exactly, @themoneyshed 👏
Now is not the time to scold or berate people for not already having an emergency fund. Simmer down with the "I ToLd yOu sO" silliness because it's unhelpful & unproductive 
Not everyone's financial circumstances have been negatively impacted as a result of coronavirus & there are people out there who would be wise to put money away for the future - especially when our social lives have taken a hit & we can't spend on restaurants, nights out & holidays etc
But most of those without emergency funds are without emergency funds for good reason. it's unlikely to be any easier for them to save now than it was before
We're all doing the best we can & our past selves could never have imagined how drastically our lives could change as a result of this crisis. We didn't see it coming & we're not to blame for not doing more to safeguard our finances
Instagram post 2277285289320014036_43786404 Guess who's got herself a flatmaaaaate! That's right... me!
Today I said goodbye (for now) to my bedroom and moved into the spare room to make way for a lodger
My shift at work tonight was a weird one because I just kept thinking: "there's someone in my flat and it ain't me!" When I got home, my flatmate's door was open so I went over to say hello and to see how she'd gotten on unpacking
Mate. Our girl is COMFORTABLE! 😂 I was only in work for 4 hours and in that time she's fully made the room her own. It looks so much cosier than before. The picture above is from last year FYI
Getting a lodger has been a nerve-wracking process, made even scarier by everything that's going on at the moment
But I'm very aware how lucky I am that this is even an option for me. Put it this way: I'm getting paid to have a flatmate rather than paying to be a flatmate, and I don't think you can get much more fortunate than that
Instagram post 2273370311017044694_43786404 My heart bleeds for them
Instagram post 2273347738203854773_43786404 I know this picture was probably created with toxic relationships in mind, but it's relevant right now too, don't you think?
Mother's Day flowers didn't sell very well at work on Sunday and I think it's because people were choosing not to visit their mums
We've got mums and dads fresh out the hospital, introducing their own parents to their newborn babies through living room windows 
We've got couples in long distance relationships who are having to wait even longer than originally planned before they can see each other
And then we have all the travellers that are still stranded abroad due to repeatedly cancelled flights and the people back at home who miss them 💔
Right now I'm trying to figure out how I can teach my mum to download and use Houseparty when we're not in the same room as one another 📸picture reposted from @secondsapart
Instagram post 2272672653391592536_43786404 'snitches get stitches' no longer applies
This error message is only visible to WordPress admins

Error: API requests are being delayed for this account. New posts will not be retrieved.

There may be an issue with the Instagram Access Token that you are using. Your server might also be unable to connect to Instagram at this time.

  • Facebook
  • Instagram
  • Pinterest
  • Twitter

Copyright © Cant Swing A Cat 2020 · Design by Gatto