I was in tight budget cos more then 50% of my new house $$ gone into the pocket of the resale house owner (asked for a lot of cash).
As I felt kitchen and toilet of higher priority so we didnt relay the 17yrs old flat, nor removed any wall tiles. We had a new kitchen - cabinet, floor tiles, gas and hood, fridge ..... the essential in the kitchen. Our living room has no sofa only a few cheapo chairs that also served us in the kitchen .... somebody gave us 2nd hand. Our window grilles/window were untouched, incl the main door. We rewired the whole house in case electric leakage (flat too old).
We surveyed a few places before buying any furniture/electrical stuff. Our contractor happens to be a friend who only charged us the material cost and a bit kopi $$.
We took a 5yr renovation loan ($5000 cash for furniture/electrical/kitchen stuff/misc). you can apply for Courts or other 0% interest instal plan ... we didnt have this during 'my time'. We lived in this flat for 6yrs. Cant resell cos we bought at peak (thus ended up paying a lot of cash) - cant get back our costs = struck!!