I couldn't do it. I got all the curtains and whatnot on Ebay pretty cheap. Haven't even made the first repayment on the house though, nor have we sold the old house yet. We put in a massive deposit but just can't borrow more anyway.

Our bank has pretty savage break fees in the first four years so we won't be refinancing. We need a new car (or a change in baby seat legislation, or one less children) but its going to have to wait until we save up some serious money.

We have no heating/aircon/light fittings either. But like everything else, just blew all our savings on the deposit so we've got no choice but to save up. There's just, quite simply, No Other Options.